BUSINESS CLOC - an alternative investment for fund managers and an equity building lending product for businesses; It can deliver equity growth, but it is not an equity instrument and it does not behave like stock; It just provides an equity-like return for an investor, builds equity for a business, and lowers the borrower's monthly cost; Plus, it lowers the risk by building liquidity for the investor and the borrower; The Business CLOC occupies a difference investment and lending space and it has no correlations with other investment and lending products; Business CLOC meets both of the key requirements for alternative investments rated "AA"-- attractive absolute returns and an investment hedge for other portfolio assets; The analysis will point to an internal rate of return ("IRR") on the order of [8;25%] for 10 years while the borrower only pays [6;50%]; and if the investor holds the investment to legal maturity the IRR would be on the order of [9;92%]; These returns have no correlations with equity and fixed income holdings, but with other alternative asset classes, such as hedge funds and private equity funds; For example, a mortgage and a corporate bond would be priced lower if their current yield is [6;50%] and the interest rate increases to [9;92%]; Conversely, the Business CLOC IRR would increase to [12;00%] if the interest rate increases to [9;92%] and the borrower's payment would be constant at [6;50%], without increasing the credit risk of an "AA" rating; Insurance companies, pension funds and hedge funds with sophisticated investment capabilities may be the primary buyers of the Business CLOC, as an alternative investment; We will explain in the pages to follow that we believe there is a strong case for banks to invest the Business CLOC, as well; BUSINESS CLOC Business CLOC is a business collateralized line of credit, which is structured as loan and an investment that can bear the credit risk of a sub-prime borrower, who can be converted t