In this new world of Humpty Dumpty Finance, capitalizing an emerging growth company or a new venture is almost impossible - at best, extremely difficult in today's ever changing marketplace.

iCap Ventures is leading the way domestically and internationally in unique, creative and proprietary structured finance solutions for this new world of finance.  We have developed structured finance/funding systems which can provide capitalization for small & medium size enterprises (SME's) in the early stages of their development, as well as for seasoned and/or emerging growth companies.

Our unique and proprietary investment banking tools, structures and systems give qualified companies or ventures the highest possible opportunity of achieving their capitalization goals.

We provide unique capitalization solutions through the convergence of insurance with the capital markets, providing an alternative channel for borrowers to transfer risk to A-rated guaranteed insurance contracts (GIC's) which have a term-certain return of principal and absolute internal rates of return.

We partner with institutional and high net-worth investors through our own hedge fund for most of our capital resources, and we have domestic and international sources for relatively liquid and guaranteed collaterals with limited correlation with other exposures. The unique arbitrage in our Structured Finance solutions can provide (in certain cases) qualified projects/ventures a ten year "principal only" loan - the interest and ROI being covered from our side investments in insurance-linked assets.

International Structured Finance Solutions
The Insurance-Linked Capitalization Arbitrage Program (iCAP)™

Our patent-pending Insurance-Linked Capitalization Arbitrage Program™ (iCAP), provides international and domestic project/venture funding through our proprietary system of capital arbitrage and structured finance of institutional notes and loans with equity.

Our structured finance strategy has been developed through the use and leverage of Insurance-Linked Longevity Assets which are reinsured to a fixed term certain maturity, to provide capital securitization needed for the development and completion of approved projects/ventures throughout the United States and in "free world" countries. We have created note and loan structures that are "A+" rated by the top credit rating agencies in the U.S.

A significant arbitrage is created in the portion of funds that we invest in Reinsured Insurance-Linked Longevity Assets. This parellel investment in life settlements provides securitization which becomes the underlying collateral for our Structured Notes or Loans to emerging growth companies and qualified new ventures.

A side-fund is established and capitalized to insure the payments of minimal baseline returns and associated administrative costs of the life settlement portfolio over the term. The maturity (or alternatively the reinsurance guarantee) of the insurance-linked longevity assets ensures the return of 100% of the Principal and a minimum IRR back to our Hedge Fund.  This securitization instrument alllows us to make more spectulative investments in emerging growth SME's and qualifying new ventures - the project/venture is provided a ten year "principal only" (+ required AFR) note with equity (typically a 20% Equity position in each project/venture).

The approximate time for the release of funds from project approval to capital distribution is typically between 120 and 180 days and is virtually guaranteed due to the fact that we pre-approve each client project with our own hedge fund (iLIFE Hedge Fund - see tab linked to this website).

Our firm has well-developed and proven methods for organizing and structuring capital arbitrage finance solutions, including cash-backed collateral instruments and insurance bonds for our institutional investors, and for procurement of full capital funds with favorable terms and rates.

For projects/ventures that cannot provide sufficient collateral to secure a commercial loan, a complex and multi-level approach to structuring the transaction makes it possible to successfully receive venture capital funding, without any collateral from the client. We are recognized by cooperating Institutional Investors as a "Collateral Provider" of "Guaranteed Insurance Contracts" (GIC), allowing us maximum control over management and support for the structured collateral financing process.

Insurance-Linked Securitization Longevity Assets. A longevity asset also known as Senior Life Settlements, is a fast-growing investment-grade asset class that may be one of the best investments and prescriptions for the current volatility in todayÂÂ’s markets. It is an in-force life insurance policy on healthy individuals, purchased at a discount to the policy's net maturity benefit but at a premium of the policy's cash surrender value. These longevity-based assets provide financial returns that are guaranteed to be a function of "when" not "if" or "how much".

Insurance-linked longevity assets are known for low price volatility and a return that is uncorrelated with most traditional, and lately very erratic, markets. These markets include equities, credit, commodities and real estate. Longevity assets can provide an investor with a more stable investment that could both reduce their overall risk profile while providing attractive returns, thus diversifying their investment portfolio in a way that provides securitization of investment, or a hedge against higher risk investments.

Historical returns have been shown to be independent of global macroeconomic events such as: recessions, capital liquidity events, extreme market volatility and crises of investor confidence.

Apart from the riskier investments to the safest possible investments, all of which are occurring in today's global markets. Consider the following:

• The current global deterioration in the credit markets has caused an increased interest in alternative investment-grade asset class investments.
• Longevity products are a relatively new and growing asset class with participation from mainstream institutional investors, public and private pensions, top-tier investment banks, asset managers, insurance companies, and hedge funds.
• When performing actuarial analysis, supporting historical data assumes there is little prospect of identifying a meaningful connection between mortality across the general population and financial risk drivers in the capital markets.*

*Report for the Association of British Insurers on Key Correlation Assumptions in ICA for Life Office, Deloitte & Touche LLP, May 2005