How Small Business Owners Access the Funding They Need — Without Traditional Collateral or Bank Roadblocks.
You already have someone interested in funding your business. But they’re hesitating—because of your credit, cash flow, or collateral. This package shows you and the private lender how to move forward and get more than the protection their seeking.
The DCIm strategy can protect them, even if you don’t repay.
Policies by A-rated carriers.
One deal. One lender.
Zero exposure
What You're Solving For
Three reasons your private lender hesitated or backed-out:
Credit score
Cash flow
Collateral value
Too low for their risk profile
Thin or unproven income
Collateral uncertainty
Doesn't matter- protected upfront
Collateral protection neutralizes fear
Policy replaces traditional collateral
DCIM changes the equation—without changing your deal.
Consumer loans are not eligible. This strategy is built for business-purpose transactions only.
How the Strategy Works
DCIM is a private lending strategy that wraps every loan with a high-value insurance asset—owned by your investor. The policy is underwritten on a real person—typically the borrower or a key individual in the business.
Your investor gets:
Ownership of a policy valued at up to 7x the loan
Control from day one (as payor, owner, and beneficiary)
A win–win structure no matter how your loan performs
You get:
A real chance to close the deal
A way to present real protection to your investor
Note: Most deals fund within 3–6 weeks depending on responsiveness and underwriting.
Important for Borrowers
To use this strategy, a real person from your business—typically you or a key executive—must go through full life insurance underwriting. This includes medical and financial review, and signing insurance-related documents required by the carrier.
But that’s not all.
You’ll also need to sign private agreements with the lender confirming your full understanding and consent of the structure.
These agreements make it clear:
You do not own the policy
You will never receive any benefit from the policy
Your heirs or estate are not entitled to any portion of the policy now or in the future
The policy is paid for and owned entirely by the lender, to protect their capital in this deal
This is not negotiable. The policy exists to secure the investor’s position—not yours.
If you’re not comfortable with this structure, the loan will not proceed.
If you are—this gives your investor the confidence they need to move forward.
If underwriting is declined or the policy cannot be issued, the loan cannot be funded under this strategy.
U.S. Borrower Only
This structure is only available to U.S.-based business borrowers. Your investor can be international—but your business must operate within the U.S.
Strategy in Action: A Sample Deal
Let's say you need to borrower $100,000 for your business.
Before funding that loan, the private lender would secure an insurance policy valued at upto 7x the loan amount issued by an A-rated U.S. carrier. For this deal sample, we'll use 5.6x the loan amount—$560,000.
The private lender is named as:
the Payor (the lender pays the full premium of the policy upfront)
the Owner (the lender controls and owns the policy from day one)
the Beneficiary (the lender recieves its value)
To secure that $560,000 insurance policy, the investor pays a one-time premium to the A rated insurance company who issues the policy—typically between $0.20-$0.30 per dollar of coverage.
In this example, the policy cost is $0.20, that means they'd pay $112,000 for a $560,000 policy.
Total capital outlay (example):
$100,000 loan
$112,000 policy premium
= $212,000 total investment
From day one, before the ink dries on the loan agreement, the private lender now controls both:
the $100,000 loan (earning interest + loan principal return, if you the borrower performs)
the $560,000 insurance asset (regardless of your behavior they keep this asset)
Can you see it now?
If you repay: They earn interest + keep the $560K policy which will pay out to them in the future.
If you partially repay or default: They still keep the $560K asset.
DCIM flips the risk: it’s no longer about your profile. It’s about what the investor gets to own because of your deal.
What If Your Deal Is Larger Than $500k?
The DCIM strategy is optimized for business-purpose loans between $20,000 and $500,000.
This range ensures the insurance wrap can be issued efficiently, with manageable underwriting, affordable premium costs, and strong ROI for the investor.
When the loan amount exceeds $500,000, the required insurance face value often surpasses $3 million—triggering stricter underwriting, longer timelines, and higher friction. For deals at that scale, your investor may prefer a different structure: Loan Default Insurance (LDI).
LDI doesn't require medical underwriting or insurable interest on the borrower. It protects the investor’s capital like DCIM, but works better for larger or institutional deals.
If your deal may exceed this threshold, let us know during intake so we can guide your investor through both options.
Borrower Package: What You Get
Item
Description
1-Page Deal Summary
Explains the strategy in investor terms
Investor Walkthrough
Shows what private lenders fund, what they own, and how it pays out
ROI Scenarios
Clear numbers showing win/win/win outcomes
DCIM Overview PDF
Full structure overview and legal fit
Presentation Worksheet
Helps you prep your deal using DCIm and hand it off with confidence
Private Q&A Option
You and your investor can book a call directly with a strategist
One-time access. No upsells. Built for serious borrowers.
Three Borrower Outcomes.
You pay all interest + principal on the $100,000 loan (e.g., 12-18% over 5-30 years)
The private lender always keeps the $560,000 policy, which pays out to them in the future.
Private Lender Net Return: $500k-$900k+ over time.
Private Lender CAGR 11-16% depending on repayment terms and policy hold period.
You pay some interest + no principal on the $100,000 loan (e.g., 12-18% over 5-30 years)
Private lender always keeps the $560,000 policy, which pays out in the future.
Private Lender Net Return: $500k-$700k depending on payments collected.
No collection or court actions required.
You pay no interest + no principal on the $100,000 loan (e.g., 12-18% over 5-30 years)
Private lender always keeps the $560,000 policy, which pays out in the future.
Private Lender Net Return: $560k+ over time.
Private Lender Gross ROI: 164%.
Policies mature per contract (not at default), can be resold in a secondary market, transferred, held, or leveraged.
Numbers are for illustration purposes only. Final values depend on underwriting, loan terms and time horizon.
What DCIm Is Not:
DCIm is a licensable strategy, not a lender and does not provide loans. You should already have a private lender interested in funding your deal.
This package does not guarantee funding. It equips you with a strategy that can help your investor say yes—but they make their own decision.
DCIM is not a matchmaking service. We do not connect you to lenders or investors. This is for borrowers who already have someone willing to fund them—if the structure makes sense.
You are not buying funding. You’re accessing a licensed strategy your investor needs, to say "yes" to your deal.
Common questions
This strategy is for borrowers who already have someone interested in funding their deal. If you don’t have an investor yet, this package won’t help until one is at the table.
No. DCIM is designed only for business-purpose loans—not personal or consumer loans. Your deal must meet the insurance and strategy criteria.
Most policies take 2–4 weeks to issue depending on medicals and paperwork. Funding typically occurs 3–6 weeks from start to finish.
No. This isn’t a guarantee. It gives your investor a structure that makes funding more likely—because it protects them whether you repay or not.
Not in full. You’ll give them the materials inside the package, and if they still have questions, they can book a call directly with a strategist.
It creates an asset the investor owns—worth up to 7x the loan amount. If you repay, they earn interest and keep the policy. If you don’t, they still keep the policy with no collections, no court, and no need to chase. Regardless of your performance, they keep the policy.
No. The investor is the payor, owner, and beneficiary from day one. You have no rights or access to the policy—it exists solely to protect their capital.
No. Carrier names are only disclosed to licensed investors after they’ve completed the NDA and paid the Trade Secret Access Fee. Borrowers are not shown carrier-specific documents. What matters is that every policy is issued by an A-rated U.S. life insurer approved for the strategy.
You’ll get a download link, a short intake form, and all the materials you need. You can present them to your investor or schedule a private briefing for them.
Disclaimer:
This is not legal, lending, or investment advice. Strategy use requires investor license. Package does not guarantee funding. For business-purpose borrowers only. Consumer use not supported.
DCIm Strategy
One-to-one strategy with lender-owned insurance wrap. Structured for private lenders and family offices.
Links
Private Lender
Borrower
Become a Referral Partner
Contact
dcimodel@gmail.com
Use the private briefing link above to schedule.
© 2025 DCIm Strategy