.Our procedures are simple and these are the standard practice here in the gulf region funding and they are different from the US or other continent system of funding. All loan programs require a sound business plan to be submitted with the loan application. The business plan should include a complete set of projected financial statements, including profit and loss, cash flow and balance sheet and after the careful study of the business plan when the NDA has been endorsed for confidentiality, a term sheet is prepared by our attorney and sent to the client for endorsement and return, the signing of the term sheet secures the contract between the client and our firm. The term sheet is also the document where the terms and conditions of the loan are stated.