Security Solutions Center

Arranging expedited, least-cost capital for mid-market impact projects

Our flagship program, In3CAP, features two pathways offering a range of options that help expedite funding, increase certainty, and control the cost of capital.  The right one (or two) for you depend on whether you, or a sponsor you facilitate, can bring sufficient financial depth to back your project using either 1. Standby Letter of Credit, 2. Cash Surety Deposit, or 3. Something else — ranging from a Sovereign Guarantee (SG) in countries that issue them to an “exotic” alternative to the Standby LC called an AvPN.

By far the most widely used type (Product 1, below) is a Standby Letter of Credit (SbLC introduction or jump to easy-to-follow steps, or tips for sourcing) because it can be backed by diverse, non-cash assets — whatever you have on hand.  Second most popular: a Cash Surety Deposit, Product 2.  Compare these top two Security options

Here are all available In3’s project funding options in order from least to highest initial cost. 

• DIY pathway:  The first 3 options (top row) are essentially free to developers — no initial cost from In3’s side to get under contract for up to 100% funding — where we provide the instructions, tools (like templates), and basic support and you facilitate your preferred form of a Completion Security Deposit (CSD), culminating in a verification step (an Authorization to Verify letter) to launch our streamlined due diligence.
• DFY pathway:  The second row below consists of three different “Done For You” (DFY) options geared toward project owners that would struggle to make these DIY arrangements unassisted, a higher level of service in exchange for a modest fee within a well-defined Scope of Work, where we would begin by first evaluating your project’s potential then defining and contractually arranging the work you want our team to perform.  Together we would agree to a set of clear milestones and deliverables, with an initial invoice payment to kick off the work.  See below for specific solutions or DFY stepwise procedure

Standby Letters of Credit	Cash Surety Deposit	Other Types of Security
Product 1 – DIY SbLC	Product 2 – DIY Cash	Product 3 – Other DIY Solutions
Client facilitates a bank’s SbLC	Client arranges a Cash Surety Deposit of 25-35% of total funding	Client facilitates other Security
Product 4 – DFY SbLC or AvPN	Product 5 – DFY Cash	Product 6 – Bespoke Security DFY
In3 arranges DFY guarantee	In3 arranges DFY Cash Surety Deposit	In3 advises then arranges
Register Now	Click any image above to know more	All templates (MS Word)

Quick Guide: decide which solution is best for your situation

First, important to know that for the DIY solutions (products 1-3, above), you do not need to bring either a Cash Surety Deposit or a bank-involved instrument for the full amount of funding you required. Substantial leverage can be (and usually is) applied. The exact amount of leverage you use has a direct influence on available terms and timing for the capital draws. See comparison chart to know more and decide.

Second, worth knowing that the vast majority of In3’s client use either a Cash Surety Deposit (option 2), or Standby Letter of Credit (SbLC, option 1). And if you have a choice between these two, cash surety has definite advantages over an asset-backed SbLC (compare both), such as the simplicity of using cash. SbLCs have additional features, such as the fact that the issuing bank can accept assets (or a reasonably strong balance sheet) to back the instrument, so that pathway does not tie up cash.

With overleveraged banks seeking rule compliance, a widespread concern as of turbulent 2025, some bankers will propose a line of credit (LOC), which can either remain undrawn as collateral for an SbLC, or drawn as a short-term cash surety deposit. Either way is fine by us.

Short-term cash, however, might be the best (and is certainly the easiest) option, since the Surety Deposit is only held until the project funds have been disbursed per a pre-approved monthly draw schedule. So, whatever makes the most sense for your situation.

If none of these seem within reach, perhaps a “sponsor” would help? If so, you would be wise to check that In3 is interested in providing funding, conditioned upon a verified Security Deposit, where you can request an Expression of Interest (EOI) through your Registered Affiliate once you have our interest in writing. Then you can approach prospective sponsors showing them you’ve actually checked.

It often makes sense to involve a Security Deposit sponsor, or third-party backer, when developers cannot bring their own guarantee. Sponsors can be individuals or companies with financial depth that you can reach and demonstrate that you are qualified and willing to incentivize them. Their motivations vary, with some sponsors seeking to fulfill their purpose of advancing certain agendas, such as climate change mitigation or other social/environmental benefits. Other “financial returns first” sponsors may own underperforming or distressed assets, thus with little or no free cash flow, making your offered incentive of extra cash and/or other benefits reasonably attractive. You will need to approach them properly to win their support.

What type of Security Deposit is best? The main downside of SbLCs, as well as the other financial, bank-involved instruments, is that they’re more complex than cash surety deposits. That complexity also provides greater comfort to those who are already familiar with such instruments, but some developers find that the learning curve is too steep to justify these incremental advantages.

How complex is an SbLC, BG/PG, or AvPN? There are both banking rules as well as International Chamber of Commerce (ICC publications easily available) legal venue rules that attempt to balance the interests of both sending and receiving parties. You don’t have to be an expert in this area to use such an instrument, but sometimes outsourcing the task is your best move. Tips | How it works (sample): Technical protocol for Standby Letter of Credit (SbLC) — download 1-page PDF

What if there’s no hope for a DIY Security Deposit nor any funds available for DFY services? Could you use your network to either raise your projects standards (to attract a sponsor or other team members), secure some cash to invest in a game-changing premium service provider, or find a banker willing to issue a Line of Credit (LOC) to make this easier? If none of these seem within reach, the fact is, CAP funding is not for everyone. What are the situations when CAP is likely your best or only option?

This solutions center is also designed to let you know that you are not in this alone. We have organized three “Done-For-You” (DFY) solutions specifically because so many of our clients cannot arrange their own Security Deposit, but are nonetheless fully qualified for CAP funding, with the ability to easily satisfy the higher standards (see checklist) of such DFY services. With a high enough RAIN score, we would come together to discuss odds of success before entering any fee-based contracts.

In3’s Bespoke Done-For-You (DFY) Solutions

• Product 4 explains this further for a DFY Standby LC; see also In3CAP Guide to Bank-issued Financial Guarantees
• Product 5 DFY cash includes bridge loans, lines of credit, monetized tax credits, or click for an overview of a new Ground Leasing option, coming in 2026
• Product 6 outlines the service offer to obtain fast advisory assistance to help you sort this out.

How In3 CAP funding delivers exceptional value

Most project financiers expect developers to have substantial “skin in the game” — that is, owner equity contribution and/or a hypothecated collateral asset — to take on a meaningful share of the risks.  If your project can meet or exceed our relaxed criteria for low commercial (business) risk, with a known customer in a provable market (such as with offtake rates or purchase pricing history at that location), there may be attractive options for funding your project or portfolio. 

If you have not yet proven the project’s commercial feasibility, you can ask us to assist with the analysis and transparent disclosures needed to make that case, or we can offer our feedback on whether or not your project already meets these standards.

Summary of Key Takeaways by Solution

Next Steps

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