Private Access. Global Opportunity.
Up to 160% Guaranteed Return.|

Strategic business financing, curated investment opportunities, and international business solutions. From tailored commercial loans ($50K to $10M+) and confidential M&A brokerage to contractual 100%–160% S&P 500 capital protection floors.

Business Loans · $50K – $10M+
100% – 160% Contractual Floor
Toronto · Miami · Dubai
Personalized Wealth & Capital Shield Assessment

Calculate Your Capital Protection & Growth Potential

What is your primary investment goal?

Select what matters most to your financial future:

What is your investor experience level?

This helps us calibrate the right portfolio strategy:

What is your preferred investment approach?

Choose how you would like to fund your capital plan:

How much are you planning to invest?

Institutional fee waivers apply starting from $250/month ($3,000/yr) or $10,000 lump sum:

Select your target investment horizon:

Your timeframe determines your qualified contractual protection floor:

What is your age range?

This helps calibrate your compounding cycle and wealth transition schedule:

What is your professional employment status?

Select your primary occupational status for proper fiduciary onboarding:

Where should we send your results?

Your customized estimate and guarantee schedule will be calculated and dispatched to your email immediately:

Instant calculation • PDF summary dispatched to your email • Zero spam
Personalized Estimate Generated & Emailed

Results for Investor

A comprehensive term sheet has been dispatched to your email.

Capital Protection Floor: $384,000 Guaranteed (160%)
Projected Compounded Growth: $580,000 – $720,000
Downside Market Risk: 0.0% (Zero Downside Risk)
Planned Allocation: $500 – $1,500 / mo
Reference ID: MII-XXXXXX
2018
Founded in Toronto
0+
Active Private Clients
$0B+
Assets Under Advice
Up to 160%
Contractual Capital Protection Floor

We built Miibanc for the people legacy banks forgot — the founders, the expats, the operators living across time zones.

miibanc is a private wealth and capital advisory firm built for individuals and businesses seeking more than traditional financial services. We operate at the intersection of private financing, strategic investments, global business structuring, and wealth protection.

Instead of offering generic products, we work closely with our clients to design tailored financial strategies aligned with their goals, risk profile, and long-term vision — connecting them to vetted institutional partners in Canada, the United States, and Dubai.

Business Financing & Loans
Miibanc · Global
••••  ••••  ••••  4418
Corporate mii
Miibanc · Private
••••  ••••  ••••  2076
Private Client mii
Miibanc · Signature
••••  ••••  ••••  0931
Signature mii

A Diverse Ecosystem of Financial Products

Private financing, contractual capital protection, business brokerage, and cross-border advisory under one integrated mandate.

Business Financing and Commercial Loans

Business Financing & Loans

Tailored liquidity from $50,000 to $10M+ designed around your cash flow with pre-approvals in as little as 24 hours.

Commercial Mortgages & Bridge Loans
Working Capital & Revolving Lines of Credit
Equipment, Fleet & Structured Financing
Insurance and S&P 500 Wealth Protection

Insurance & Wealth Protection

Preserve and compound wealth across generations with contractual 100% to 160% principal guarantees and private insurance structures.

S&P 500 Series III (100%–160% Guaranteed Floor)
Life Insurance & Infinite Banking Strategies
Estate, Legacy & Risk Management Solutions
Global Investment Opportunities

Investment Opportunities

Access institutional-grade global portfolios, open-architecture custody bonds, and curated private market opportunities.

Private & International Investment Mandates
Strategic Partnerships & Alternative Assets
Guaranteed Fixed Income (3.50% – 4.50% p.a.)
Real Estate and Cross-Border Mortgage Advisory

Real Estate & Mortgage Advisory

Strategic property acquisition and cross-border mortgage financing across Canada, the United States, and Dubai.

Off-Market Acquisitions & Income-Producing Assets
Primary, Investment & Equity Extraction Mortgages
Cross-Border Buyers (Canada ↔ USA & UAE)
Global Business Structuring and M&A Brokerage

Global Structuring & Brokerage

Confidential buying and selling of businesses paired with multi-jurisdictional corporate formation and banking introductions.

Confidential Business Buying & Selling (M&A)
Company Formation in Canada, USA & Dubai
Institutional Banking Introductions & Expansion
Credit and Financial Wellness Coaching

Credit & Financial Wellness

Practical credit education, cash flow coaching, and corporate financial wellness programs to build stronger financial habits.

Credit Report Education & Score Factors
Corporate & Individual Cash Flow Coaching
Independent Licensed Insolvency Trustee Referrals

The Underlying Growth Engine

Your capital captures 100% of the upside in the world’s most profitable enterprise market leaders—backed by contractual 100% to 160% downside protection floors.

Dynamic Institutional Allocation • Real-Time Index Weightings
LIVE ALLOCATION
Top 10 Companies by Weight Core Growth Holdings
Company Symbol GICS Sector
NVIDIA CORP NVDA Information Technology
APPLE INC. AAPL Information Technology
MICROSOFT CORP MSFT Information Technology
AMAZON.COM INC AMZN Consumer Discretionary
ALPHABET INC A GOOGL Communication Services
BROADCOM INC AVGO Information Technology
ALPHABET INC C GOOG Communication Services
Meta Platforms, Inc. Class A META Communication Services
JP Morgan Chase & Co JPM Financials
BERKSHIRE HATHAWAY B BRK.B Financials
Sector Breakdown Asset Allocation
100%
Core Equity
Information Technology
Financials
Health Care
Consumer Discretionary
Communication Services
Industrials
Consumer Staples
Energy
Utilities
Materials
100% – 160% Guaranteed Return Floor contractually locked at maturity
0.0% Downside Risk — Total insulation against equity bear markets
Institutional Custody in premier AAA-rated jurisdictions

S&P 500 & Private Wealth Growth Calculator

Model exact contractual projections for the S&P 500 Plan USD – Series III (SPX10-X, SPX15-X, SPX20-X), including principal protection guarantees (100%, 140%, 160%), loyalty bonuses, and exact policy fee schedules.

S&P 500 Series III Engine • SPX10-X / SPX15-X / SPX20-X
LIVE SIMULATOR
Monthly Savings Amount $500 / mo ($6,000 / yr)
Plan Term & Guarantee Tier 20 Years (SPX20-X)

Request Your Official S&P 500 Series III Illustration

Get a full year-by-year PDF illustration with exact surrender values, loyalty bonuses, and contractual guarantee terms.

Estimated Value at End of Plan (Maturity Payout)
$217,081
SPX20-X • Contractual 160% Principal Protection Floor at Maturity
Capital Paid vs. Guaranteed Floor vs. Maturity Value 9.00% S&P 500 Projection
Total Premiums Paid $120,000
Contractual Protection Floor $192,000 (160%)
Projected Maturity Value (Net of All Fees) $217,081
Total Premiums Paid
$120,000
Guaranteed Return Floor (160%)
$192,000
Net Investment Gain at Maturity
+$97,081
Loyalty Bonus Credited
+$8,250
S&P 500 Series III Term Sheet Specs (SPX20-X) Breakeven Rate: 2.60%
Admin Charge: 1.10% p.a. (Yrs 1–20)
Structure & Policy Fee: 0.125%/mo • $10/mo
Initial Period: 27.72 mos (Ages 18–50)
Unfloored Account Value: $217,081

Client Voices

Trusted by founders, managing partners, and cross-border private clients across Toronto, Miami, and Dubai.

"When we expanded our logistics operations between Canada and the Gulf, traditional banks took months just to review our structure. Miibanc arranged our commercial bridge facility and cross-border treasury setup in days."

Amina Karimi Founder, Orbital Logistics

"What sets Miibanc apart is their ability to combine private lending with institutional capital protection. Having a contractual 160% S&P 500 maturity floor alongside active deal advisory is unmatched."

Daniel Ruiz Managing Partner, Meridian Capital

"From structuring our family's long-term education and retirement shields to guiding our cross-border real estate financing, Miibanc has been our single trusted advisory desk since 2021."

Sanjay & Priya Private Clients, since 2021

Our Investment & Capital Protection Plans

Six clear wealth structures designed for international professionals, expats, and families living outside the US.

S&P 500 Capital Protected Growth Plan (Series III)

S&P 500 Capital Protected Growth Plan (Series III)

Participate in the growth of the S&P 500 Index with a contractual principal protection guarantee at maturity. Even if markets fall, your guaranteed maturity floor is locked in by contract.

Contractual guarantee at maturity: 100% at 10 years (SPX10-X), 140% at 15 years (SPX15-X), and 160% at 20 years (SPX20-X)
0% downside principal risk if held to maturity, regardless of S&P 500 market volatility
Loyalty bonus allocations: 7.5% (Years 1–10), 7.5% (Years 11–15), and 5.0% (Years 16–20)
Global Monthly Savings Plan

Global Monthly Savings Plan

A simple, automatic monthly savings plan that invests in top global funds (BlackRock, Fidelity, Morgan Stanley) with extra bonus money added to every deposit.

Extra allocation bonuses: receive 101% to 105% on your annual deposits
Loyalty bonuses: earn up to 22.5% in extra milestone bonuses over your term
Completely portable: keep your plan no matter which country or employer you move to
Lump-Sum Investment Portfolio

Lump-Sum Investment Portfolio

Invest a single lump sum into global funds with full flexibility, zero policy fees, and immediate liquidity whenever you need access to your capital.

Plus Tier ($100k+) offers full access to your cash with zero surrender penalties from day one
Standard Tier ($10k+) administration fees drop to 0% after year 5
Free fund switching: change your investment mix anytime at no extra cost
International Markets Shield

International Markets Shield

Invest in the fastest-growing economies across Europe, Asia, and developed global markets with contractual 100% to 160% capital return guarantees.

Guaranteed capital return floors: 100% (10 yrs), 140% (15 yrs), 160% (20 yrs)
True global diversification beyond domestic North American markets
Loyalty bonus cash rewards for staying invested
Guaranteed Fixed Income Plan

Guaranteed Fixed Income Plan

A conservative, zero-risk alternative to low bank savings accounts. Earn a guaranteed fixed annual interest rate backed by institutional-grade bonds.

Guaranteed annual interest rates: 3-Yr (3.50%), 5-Yr (3.75%), 7-Yr (4.00%), 10-Yr (4.50%)
100% principal safety: zero stock market risk, zero volatility, zero surprises
Zero annual management fees: you keep 100% of the interest you earn
Universal Investment Portfolio Bond

Universal Investment Portfolio Bond

Consolidate your global stocks, ETFs, mutual funds, and bonds under one single holding account. Borrow up to 40% of your account value on demand without selling your assets.

Complete investment freedom: hold stocks, funds, ETFs, and bonds in one place
Emergency cash access: borrow up to 40% against your portfolio without selling anything
Transfer existing investments into the account without paying liquidation fees

Business Brokerage: Buying & Selling of Businesses

Miibanc is an international business broker. We facilitate the buying and selling of businesses, providing confidential valuations, qualified buyer matching, cross-border deal structuring, and wealth preservation for business exits.

Selling a Business with Miibanc

Selling a Business

Sell-Side Representation & Exit Structuring

We represent business owners seeking a smooth, confidential divestiture. From rigorous financial valuation and normalized cash flow modeling to identifying qualified institutional and private buyers, we protect your legacy while maximizing purchase enterprise value.

Fiduciary Valuation: Certified appraisal, EBITDA adjustments & industry benchmarking
Confidential Marketing: Blind profiles, NDA-bound vetting & controlled document rooms
Deal Execution: Letters of Intent (LOI), definitive agreement negotiation & escrow
Capital Floor Protection: Roll exit proceeds directly into 100%–160% guaranteed wealth shields
Buying a Business with Miibanc

Acquiring a Business

Buy-Side Search & Target Acquisition

We partner with entrepreneurs, corporate strategics, and family offices seeking to acquire profitable operating companies. We source off-market opportunities, manage due diligence, and structure tax-efficient acquisitions across key global markets.

Proprietary Sourcing: Access exclusive off-market businesses not listed on public portals
Due Diligence Support: Rigorous evaluation of historical financials, contracts & risks
Cross-Border Structuring: Holding entities, SPVs, and tax-efficient purchase vehicles
Post-Acquisition Integration: Seamless corporate transition and international banking setups
Absolute Discretion Enforced NDAs & strict confidentiality protocols
Global Deal Reach Connecting vetted buyers & sellers in 100+ countries
Exit Capital Preservation Up to 160% guaranteed capital floor on proceeds

Built in the Places Capital Actually Moves

Three financial corridors, one advisory relationship — combining Canadian regulatory strength, Latin American gateway access, and Gulf zero-tax structuring.

Toronto, ON Financial Corridor

Toronto, ON · Canada

North American headquarters & Canadian regulatory strength. Commercial lending, business brokerage, mortgage advisory, and corporate financial wellness.

Toronto, ON · Canada

North American headquarters & Canadian regulatory strength. Commercial lending, business brokerage, mortgage advisory, and corporate financial wellness.

Miami, FL Americas Gateway

Miami, FL · Americas Gateway

Cross-border capital corridor connecting North American and Latin American founders, real estate investors, and commercial growth mandates.

Miami, FL · Americas Gateway

Cross-border capital corridor connecting North American and Latin American founders, real estate investors, and commercial growth mandates.

Dubai, UAE DIFC Corridor

Dubai, UAE · DIFC Corridor

Zero-tax corporate structuring, international residency expansion, and offshore S&P 500 Series III (100%–160% guaranteed) wealth protection for global expats.

Dubai, UAE · DIFC Corridor

Zero-tax corporate structuring, international residency expansion, and offshore S&P 500 Series III (100%–160% guaranteed) wealth protection for global expats.

Ready to Protect Your Money and Grow with Confidence?

Check your eligibility or speak directly with our private wealth advisors.