Capital Access Program

Unlock Fast and Flexible Access to Global Capital

Are you facing challenges securing the funding you need? Many businesses experience obstacles such as:

  • Project delays due to limited capital availability
  • Stalled growth preventing expansion or seizing new opportunities
  • Personal or business financial strain, making success difficult
  • Difficulty attracting clients or investors to fund projects

If any of these apply, NUBIA Capital Access Program offers a unique solution to unlock funding that traditional banks and brokers often cannot provide.

Our program leverages Courtesy Deposit (CD) purchases at FDIC-insured banks to provide capital for client projects, enabling faster access to funding without traditional collateral requirements.

Program Details

  • The program facilitates global project funding by acquiring Courtesy Deposits from international banks that have a corresponding FDIC-insured bank in North America.
  • Some participating financial institutions allow clients to access funds within 72 hours after the Courtesy Deposits are deposited, subject to bank terms and conditions.
  • Clients can access funding up to $300 million USD

Key Conditions:

1

Banks cannot hold the Courtesy Deposits as collateral; the client must receive the requested capital. 

2

The international bank must have a North American correspondent that is FDIC-insured.

3

Projects must seek funding between $20M and $2B USD.

4

If a client cannot find a bank willing to work with Courtesy Deposits, NUBIA offers a “Locate a Lender” service to identify suitable institutions (additional fees apply).

Qualifications

Why Choose NUBIA Capital Access Program?

By providing capital as a Courtesy Deposit rather than collateral, a financial institution’s liquidity increases. This often results in better loan terms for clients compared to traditional funding methods. 

Process

Schedule a Consultation

Discuss your funding goals with NUBIA advisors.

Submit Initial Paperwork

Complete CIS/KYC forms, NDA/NCA agreements, and Joint Venture agreements.

Identify a Lending Bank

Either engage a financial institution willing to fund the project or use NUBIA’s Locate a Lender service.

Confirm Terms

NUBIA ensures Courtesy Deposits are never held as collateral and prepares necessary documentation.

Deposit Fees & Courtesy Deposits

Fees are deposited with an appointed law firm; NUBIA purchases the Courtesy Deposits and provides proof of transfer.

Test Run & Full Deployment

After confirming the bank received a small test deposit, the remaining Courtesy Deposits are purchased according to the agreed plan.

Essential Documentation

  • CIS/KYC (Customer Information Sheet / Know Your Client)
  • NDA/NCA (Non-Disclosure and Non-Circumvent Agreement)
  • Signed fee agreement for services rendered
  • Professional business plan
  • Proof of funds for service and lender locator fees
  • Lending institution checklist (if using NUBIA’s Locate a Lender service) 

Fees

  • Locate a Lender Service: 1.5% of the loan amount or $38,000 minimum; non-refundable if a written offer is not obtained
  • Courtesy Deposit Purchase Fee: One-time fee of 11% for a two-year CD; longer terms require a separate agreement
  • The required Courtesy Deposit value may vary depending on the lender, sometimes up to 1.5× the deposit amount to secure the funding

Timeline

  • Standard completion: 30 banking days from the date the final contracts are signed with the lender
  • Timelines may vary based on lender terms and jurisdiction