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FREQUENTLY ASKED QUESTIONS
Who is RST Agency, LLC?
We are a privately held corporate finance advisory firm established in 2011 and we are specialists in private alternative capital financing. We have an international clientele in a broad spectrum of industries. We conduct the due diligence required to analyze and underwrite a project and work with our partners to fund the project.
You have much more information on your website than other firms. Why?
Because it saves time. People can see what we do, what our general guidelines are and what they need to be able to do in order to complete a funding. We do not want to waste anyone's time or money. We want to get projects successfully funded.
Where do you prefer your clients' projects be located?
We prefer projects in the United States and Canada, but we can fund projects throughout the world.
Who do you work for?
Our clients are institutions and companies that are seeking capital.
Where do your clients come from?
Our firm works almost exclusively with existing clients but we do accept a limited number of projects each year in the industries we serve. Most of our new clients come to us by referral from existing clients. We also receive new clients from accountants, attorneys, commercial bankers, corporate officers, industry partners and other professionals aware of our services.
Where does your money come from?
The money comes from our network of US based high net worth individuals, wealthy family offices, insurance companies and other private funds with whom we have direct and very close relationships.
What specific benefits are there to working with you?
We provide our clients with three huge advantages. First, they can shift over to us a great deal of the time and effort associated with arranging the financing necessary to complete a particular project. Secondly, we assist the client in structuring the deal in a manner that best meets everyone’s objectives. And finally, by working with private funding sources, we are more flexible, faster and less regulated than conventional business loans.
What do you require for an initial review of a project?
We are very selective in what projects we will accept. A thorough study will be made of a project before we will consider entering into an Engagement Agreement. A well written executive summary and information proving up the project's assets are required for our initial review.
Will you consider projects that have been turned down by other funders?
Yes. We will require an explanation of what the reasons were for you being turned down and who has previously looked at your project, but we understand that even some good projects have problems getting funded.
Do you do a lot of due diligence?
Yes. We cannot help you if you are not able to provide complete information on a timely basis. We also require information be presented in an organized, professional package supported by high quality data that does not require an inordinate amount of time trying to put all the pieces together and backed up with a commitment from the client that they will stay focused. We have a great deal of respect for our clients and their time and we ask them to respect the work load we are carrying too.
Do your funding sources ever provide venture capital?
Yes. However, startups requiring equity capital and/or debt financing must be very strong candidates for alternative capital financing.
What type of compensation do you receive at closing?
We charge very reasonable industry-standard success fees (only paid at closing) and sometimes take a portion of our compensation as a revenue participation in the project.
Why are you willing to take revenue participation risks?
First, it gives us credibility that we are serious about our ability to perform. Second, it assures clients that we are only interested in high quality projects because our livelihood is dependent on their success. And third, we can increase our long-term revenues by participating in a venture after it is funded.
What costs are there prior to closing a financing?
Attorney's fees, engineering studies, accounting fees, due diligence costs, retainers, permitting, travel costs, etc. need to be paid during the underwriting process in order to conform to the funders' protocols and regulations.
Do you provide an estimation of what these costs will be before starting the funding process?
Yes. We can give you a general idea of what the costs would be for completing a funding on your particular project.
What size of project do you prefer?
Most of our project fundings run between $3 Million and $150 Million. There is no practical maximum and we have done projects as high as $1.6 Billion. If there is going to be more than one round of financing needed, we will also take that into consideration.
What types of projects are you interested in doing?
We will look at any project that is legal, ethical and makes good business sense. The project may even be in an area currently out of favor for traditional financing such as mining, energy, acquisitions, expansions, additional working capital, even bankruptcy reorganizations and turnarounds.
What types of projects are you not interested in doing?
Projects that are politically controversial or have an over reliance on subsidies for profitability.
How would we get started with you?
You first need to educate us on the size and type of project you are interested in getting financed. Assuming we felt that we could be successful meeting your objectives, we would first present your project to our funding sources to see if they are interested. If they are, that also means that they have the time and money for your project and we will issue you a Preliminary Term Sheet which spells out the general terms and conditions under which you will be awarded the loan. This is all done under the assumption that all due diligence verifies properly. Once you agree with the Preliminary Term Sheet, we would then issue an Engagement Agreement and Letter-of-Intent (LOI) with you and proceed with the due diligence and financing process. All information submitted to us must be in an electronic format. We do not accept fax copies or hard copies of documents. All information must be emailed only in Word, PDF, Excel or PowerPoint. Uncommon file extensions that require specialized software will be rejected because they are too difficult to share.
Do you help us revise our package if necessary?
We can make recommendations that will help you get it into a format that is acceptable for inclusion in the Master File which is used for underwriting the financing request. You should also rely on your accountant for pertinent tax advice and your attorney for pertinent legal advice.
Can you assist us in negotiations with our current lenders?
Yes. Performing this service is sometimes possible in situations where the client is in a bind because their current lender is pressuring them to make substantial changes in their current facility or completely pay it off. The capital markets can sometimes be accessed and the existing facility be extinguished with a new round of financing.
Will you provide a confidentiality agreement or sign ours?
Of course. It is no one else's business what you are doing and you deserve an ironclad assurance that your business information will remain absolutely confidential. Your business with us is strictly private; our confidentiality agreement and our Engagement Agreement both prohibit us from disclosing your name and information to anyone else.
How do you prefer to communicate with your clients?
Email is the best way to communicate because it is faster than trying to track someone down on a telephone and there is a record of what was discussed.
Will you work with brokers?
We no longer accept any projects that are referred to us by brokers. All projects must be submitted directly from the principals.