Three Forms of Corporate Lending

An alumnus of the University of Western Ontario in London, Candido Viyella earned a bachelor's degree in business administration with honors from the university. Currently serving as president and CEO of Earthview Capital, Candido Viyella evaluates corporate finance strategies with a focus on the current shifting economy and its applicability throughout South Florida and the Latin American region. He also has experience with corporate lending.

Corporate lending is similar to personal lending, except that it involves loans from a bank to a firm rather than an individual. As a result, the sums of money involved are often much bigger, and protection measures are slightly different.

There are different forms of corporate lending. The main forms include:

Asset-Based Lending

When a loan is backed by a valuable asset, it is referred to as asset-based lending. Asset-based lending is one of the safest types of financing, since the financial institution (bank) lending the money is able to safeguard itself by matching the lender's assets value with the loan amount.

Structured Corporate Lending

Asset-backed securities, collateralized fund organizations, credit derivatives, and collateralized debt obligations are all used in structured corporate lending. Each has its own sub-classes, but the objective of all of them is to reduce the risk for both the lenders and the companies who buy the loans.

Cash-Flow Lending

This type of lending typically occurs in the commercial paper market, when huge banks lend money to firms in an unsecured manner to address immediate liquidity demands, like payroll or infrastructure investment. Because it is unsecured by any kind of standard guarantee, this is one of the riskiest types of financing. As a result, these loans are frequently offered only to highly stable and well-established companies with extremely high credit ratings.

Ways of Giving to the FIU Foundation

Candido Viyella has served his community in various philanthropic capacities, and is currently the chairman of the Jackson Health Foundation Inc., an organization that seeks to acquire funds from both the public and private sectors to improve healthcare in the Jackson Health System. Candido Viyella is also a member of the FIU Foundation board.

Florida International University Foundation, Inc. (FIU Foundation) was founded in 1969 in order to receive charitable donations and gifts for the improvement of Florida International University. The organization provides different options and ways through which members of the public can donate to help it achieve its aims.

The foundation provides the option of annual giving at different levels. Through a partnership, donors can give any amount ranging from $100 to $49,999 annually. There is also the option of estate and planned giving. This avenue allows the donor to give through a planned system and build a giving “portfolio.” In addition, one could give to the foundation by becoming a corporate partner with the university through its offices of Foundation Relations and Corporate Relations. Lastly, through the “Ignite” avenue, faculty and staff members of FIU can donate to the foundation.

FIU’s Focus on Economically Advantaged

Having grown up in Latin America, Candido Viyella is very active in the Miami Hispanic community, and is currently the president and CEO of Earthview Capital LLC. As a philanthropist, Candido Viyella is the chairman emeritus of Jackson Health Foundation and a member of the FIU Foundation Board.

The Florida International University Foundation, Inc. (FIU Foundation) is a nonprofit organization that has existed for more than five decades. FIU Foundation seeks to advance Florida International University by soliciting and facilitating donations.

Florida International University is known for its high minority population, which stands at about 90 percent of its entire population. FIU also supports many economically disadvantaged students. According to a survey, almost 49 percent of all financial aid recipients in the university are from households with an annual income below $30,000. The university also ranks as the first in America in giving master’s and bachelor’s degrees to Hispanic students.

What It Means to Make the FT 300 List

Candido Viyella currently serves as the CEO of Earthview Capital LLC, located in Miami, Florida. In this role, Candido Viyella has assisted the company with making the Financial Times (FT) Top 300 List several times since its inception in 2007.

Formerly known as the FT Top 300 Registered Investment Advisors, the list recognizes the best investment firms across the country. The list is compiled by Ignites Research on behalf of the publication and compiles this list based on gathering business intelligence on investment management.

The RIA firms that made the long list did so after meeting certain criteria. Applicants were then graded on assets under management (AUM), AUM growth rate, online accessibility, advanced industry credentials, compliance records, and the industry credentials of the firm’s advisors. The final list is comprised of an elite cohort of firms from across the country.

The FT 300 is just one in the series of rankings by the Financial Times. Other rankings include the FT 401 for DC retirement plan advisers and the FT 400 for broker-dealers.