Pricing
Pricing is customized on a per project basis and is always based on the value added.
In some cases the fees are paid by the client and in some cases the fees are paid by the institution depending on the product or service.
Pricing for Credit Deals:
In almost all cases the fee is paid by the client. The fee is is based on the overall value being brought to the relationship including but not limited to finding the best possible rate, points, maturity, structure, covenants, closing costs and terms.
For indicative purposes the fee often comes out to be close to 1% of the loan amount.
This fee is paid once at the time of loan funding even though the client will benefit from the savings on the rate year after year.
Pricing for Excess Cash:
In almost all cases there is no fee to the client for this service.
Since Climbing Capital is able to bring Billions of dollars in deposits to banks we are able to pass along to our clients higher rates on many traditional banking products such as checking and savings accounts and cash management vehicles.
Pricing for Moving Bank Relationships:
In almost all cases the fee for moving all or a portion of banking relationship from one Bank to another Bank that is better suited to meet their needs (and often paying them higher rates on deposits) is paid by the client.
This is typically based on minimal fee calculated as a percentage of assets moved or can be negotiated as a flat fee. For indicative purposes the fee has been in the range of 15-25 basis points of the total assets being moved. (Approximately ⅛-¼% depending on the size of the relationship)
Pricing for Unique Investment Opportunities
For investment opportunities fees are typically paid by the party that is raising funds or receiving the investment proceeds. This may vary slightly on real estate related deals. A typical fee is 1-2% of the capital raised toward the opportunity.
