Anuva Capital Centerpointe Dr, La Palma

This particular file & customer has been of some concern of ours for numerous reasons. The initial application was submitted to us in 10/2020 from a company with 10 months in business with the hopes of acquiring a $60,000.00 water truck from a private party vendor (non-licensed). We do our best not to get involved with the selection of any equipment, or who to purchase it from for several reasons of risk. A very difficult undertaking to obtain financing for such a request. The applicants were non-homeowners which also narrows the options. At no point, was money/deposits/or funds of any kind requested, as we continued our diligence throughout the process of obtaining what was necessary to request an approval. We submitted a 56 page credit package to an underwriter on behalf of the applicants in the hopes of obtaining funding for them on 11/06/2020. On 11/08/2020 we obtained an approval for ~$68,000.00. The vendor who was selling the truck went on vacation for two weeks and when he returned it had been sold through a friend who owned an actual reseller of equipment. This was news to all of us. The transaction stood still, yet the approval stayed in place. Still, in mid-November, the applicants approached us once more through the same private party with a 2014 unit priced at ~$48,000.00. We did the necessary diligence and submitted the asset to the underwriter for approval since that is a very standard part of the process. The asset was approved. Still no request for a commitment whatsoever. On 11/25/2020 we submitted a Term Sheet outlining the dollar amount, months, & payments of the approval. This is when we requested funds that are fully applied to the transaction according to approval. They were never, nor is ANYONE requested or required to "pay for a loan". It is clearly stated in the Terms & Conditions of the term sheet that the customer signed on 12/01/2020 what would occur if the transaction failed to fund at no fault of Anuva Capital. The entire deposit would be considered earned for the reasons indicated in the offer. The initial sheet was agreed upon, signed, and the customer issued a personal check. The check was processed as it was explained, and expected. During the process of generating the final documents for the transaction a copy of title was requested to see if there are any liens against the asset. The vendor had lost the title, and had to order a new one from the CA DMV which took approximately two weeks to provide us a new one on12/14/2020. We requested a VOIDED business check prior to funding to set up a required ACH for the repayment of the contract. It was confirmed on 12/13/2020 in an email from one of the partners that there was no problem with that. (Everyone is still moving forward) 12/15/2020 we issue the actual lender approval outlining the exact terms of the approval again. This is where it stopped. We do not know how or why at this point did everything cease. According to the T&C of our term sheet the entire deposit is considered earned. We attempted numerous times to reach them to work on the funding, but to no avail. We have, and always are willing to apply any funds, such as these, where fraud has not occurred to a future approved transaction. The company is just starting out and obviously needed someone that is able to obtain financing when they needed it. Plus, providing 6-7 weeks of diligence and effort without requiring any sort of commitment to fund whatsoever. Recently, when they approached us again we offered the same thing, and they replied they were "no longer operating or interested in starting a business", yet we confirmed with SOS they recently renewed their corporation status and remain in good standing 2/2021. All of the information contained in this rebuttal is verifiable with either emails or documents.

Our response is in conjunction with the above response only addressing the reason behind their cancellation. They attempted to bring religion into the fray. The group was claiming that one of their partners was not comfortable paying interest because it was against his religion. The partner who was against this turned out to be Galere Absuge. The person who originally made the first contact with us for a loan. On 3/01/2021, we were contacted by a Galere Absuge and he wanted to finance an $80k semi. The representative who fielded the call is a BYU student athlete grad w/ high ethics. The caller did not have a quote, and our rep took an application. It back lower than well lower than any credit guideline would accept. Later a new app was returned through our portal only with a new owner. Jamal Adam, see other false claim below. Credit was better, but ironically started about the same time as the first. These are traits of credit repair schemes. This is not worst of it yet. These first two were from Minnesota. They were actually not even a business. Plus, still why were these two seemingly unrelated people trying to buy a semi. Our rep was doing his part, fairly new to the financing industry which breams in fraud perpetrated in any number of ways. These folks appeared to be attempting a check fraud play. The only way this type of transaction gets approved is with a 45% down. The only that matters is the asset. Enter Hadas?? We receive a check for 31k from Hadas Maton, simply signed Hadas. Who is this guy? He lives in CA, and the telephone number on his check is for a guy named Nahn Tran that had a previous address in Minnesota with Caller #1!! We felt the check would bounce anyway. BUT, 3-4 days after we deposit the check they cancel the deal & want their money back. That's not going to happen. We send the money back, check goes bad, we just got taken by one of the most elementary scams going. At any point that check could have gone bad and probably still will. This caused our company a great deal of trouble to say the least financially. Please feel confident if you are a legitimate business trying to legitimately finance legitimate equipment please give us a call.