M·CAM Financial

M·CAM Inc. was established to provide a means to deploy intangible and intellectual property assets in regulated financial markets including debt, risk transfer, equity, and structured finance. Rather than simply introducing a means to deploy risk-rated collateral on a new asset class, M·CAM was also committed to smoothing the asymmetries in the cost of capital resulting from the market's inability to quantify and risk-rate enterprises rich in the IP asset class. From its ground-breaking work with the U.S. Small Business Administration which opened the door to government-backed credit guarantees to IP-rich, traditional-collateral-poor enterprises to its recent work on esoteric Sovereign Technology Credit Obligations™ or STCO™, M·CAM has introduced a linear risk adjusted cost of capital paradigm that is without global precedent.

Following over a decade of market development, actuarial engineering and product validation, M·CAM Financial is the first global financial institution which can transparently and ethically emerge capital market products explicitly engineered for the Global Fusion Economy using intangible asset-backed fundamentals. Specifically, M·CAM Financial provides the confluence of intellectual property based asset qualification; cognogenitive actuarial modeling and financial product diversification to provide the proper resources, with proper risk sharing, to enterprises around the world. With unprecedented clarity, M·CAM offers the global financial markets an ability to emerge into the Fusion Economy integrating traditional financial products with a new asset class including a continuous scale risk-rating efficiency never introduced before. With greater disclosure scrutiny in the equity markets and with the temporal challenge of a regulatory paradigm shift in Basel II, the timing for M·CAM's market capture is auspicious.

Your interaction with M·CAM will depend on the markets in which you operate.

If you are a bank or credit provider, M·CAM can offer a variety of innovative capital solutions including intangible asset-backed collateral enhancements. These products provide you an independent confidence that secondary markets exist and are accessible should intangible asset collateral require liquidation. For your own balance sheet or reserve capital management, our analytic and actuarial expertise can allow you to reassess credit risk for borrowers who have non-traditional assets supporting their businesses.

If you are a business, M·CAM can offer internal strategy and external market assessment, research and development planning, acquisition or partnership due diligence, and asset monetization transaction management and support.

If you are an entrepreneur, M·CAM offers pre-enterprise diligence services unrivaled in the global marketplace. Using finance, risk transfer and insurance, and strategic vendor alignment, M·CAM can offer capitalization solutions that are unique and can significantly reduce your cost of capital.

If you are a municipality or government, M·CAM's Sovereign Technology Credit Obligation™ or STCO™ can provide large-scale project financing which is optimized to allow for "always on" technology integration so efficiency does not have to be compromised when obsolescence creates more desirable solutions.

If you are an insurance company, M·CAM has supported the underwriting of the longest-running intellectual property insurance company in the global market. Our actuarial and underwriting platforms can be used for offensive, defensive and contractual representation and warranty coverage products.

Products

Collateral Enhancement (CAPP™)

M·CAM’s Certified Asset Purchase Price (or CAPP™) product is the first, regulated collateral intangible asset product meeting U.S., Asian, and European banking standards and compliant with religious ethical finance requirements. Launched in 1999, this program uniquely links innovation and intangible assets to the global credit market. Using M·CAM’s proprietary intangible asset underwriting platform, all intangible assets held by a borrower are identified.

Sovereign Technology Credit Obligations

The global economy has seen increasing scale of sovereign procurement for technology-dependent infrastructure projects. In many diverse fields, trillions of dollars are being allocated every year for the purchase of solutions to increasingly complex requirements. While most governments turn to the larger incumbent contractors, there is a need for the use of best-of-breed technology suppliers regardless of their size.

Trade Credit Offsets

M·CAM’s Trade Credit Offset program matches multinational corporation (MNC) offset obligations with in-country research and development, small and medium-sized enterprise, and in-country industrial entities. Our unique offering is to match country-relevant technology needs with intellectual property (owned or acquired by) in the MNC which can be transferred as technology transfer or capacity building. Most importantly, the program allows countries to become informed customers in demanding transfers of actual proprietary positions which have legal transferability and market consequence.

Innovation Indemnity Overview

M·CAM has created the globally-unique underwriting capabilities to effectuate the successful underwriting of the innovation economy risk imperatives and assets.