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Partner-Driven Lending for Insured Commercial Transactions

Fixed term | 5% Every 90-Days | 100% Insured

A trusted, structured partnership where you lend directly to Totem—zero interest, fully insured capital, and consistent returns tied to real commercial activity.

Why Partner with Totem?

Bonded & Insured

Every dollar you lend is covered by bonded insurance—protecting both principal and your fee.

Fixed, Predictable Returns

Earn 5% fee per 90 day cycle, far outperforming traditional short-term options.

Proven Track Record

With 900 + successful, zero default transactions, we bring reliability and discipline to every partnership.

How It Works

Become a Totem Partner

Commercial Loan into Purchase Orders

Fixed-Term, 90 Day Funding Cycle

Fee Earned Upon Repayment

Insured and Bonded for Safety

Capital Protection Mechanism

Zero Interest Exposure

You receive a flat 5% fee - no surprises, no compounding risk.

Insured & Bonded Structure

Every loan is backed by a bonded or insured policy, intentionally layered to protect partner capital and fees.

Clear Legal Framework

Partnership and financial agreements clearly delineate use of funds, payment timelines, and risk protection

Who This Is For

Seasoned Investors and High Net Worth Individuals

Seeking a short-duration capital vehicle with institutional rigor, attractive yields, and principal protection.

Small-Scale Partners & Active Lenders

Those with less than $25K in liquid capital wanting to participate in real commercial finance with full insurance and transparency.

Corporate Partners and Industry Capital Pools

Organizations looking to deploy idle cash into structured, purpose-driven transactions with reliable turnarounds.

Use of Funds – PO Backed Financing

A trusted, structured partnership where you lend directly to Totem – fully insured capital, and consistent returns tied to real commercial activity.

This ensures direct alignment between your capital and the business activity it supports—no speculation, just commerce.

Next Steps

Review the Program Overview & Agreements

Schedule a One-on-One Consultation

Complete Your Due Diligence Package

Fund Your First 90 Day Cycle

Download Program Brochure

Frequently Asked Questions

How much can I contribute?
Our program is accessible to any qualified partner—from small lenders (< $25K) to large capital providers.
Capital and fees remain insured—covered by our bonded and insured structure.
In each 90 day funding cycle, principal and the 5% fee are repaid at term end.
Terms are fixed for 90 days. You may reinvest after each cycle or let your capital rest between cycles.
You’ll receive a signed partnership agreement, loan document tied to each PO, and proof of insurance coverage.

Take the Next Step

Discover how Totem LC Group can help you make the most of your idle capital.

Get in Touch

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Email

partnerships@totemlcg.com

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Office

Seattle, Washington

Schedule Your Consultation

Contact us today to learn more about our short-term investment program and explore how we can partner to help you realize your financial strategy.

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