BIG LIST OF WEBSITES

List of Top Websites on Repay

Top 250 Websites on REPAY

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Last updated on Oct 1 2019.
Here are the best websites we found: repay.io • repay.com • bayportsa.com • pocketmoney.cash • loanable.io • loanwell.com • repay.me • southeasternrailway.co.uk • delay-repay.com

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Home - REPAY. At REPAY we are innovating the best financial technology and payment processing solutions for our clients.
Alexa Rank
526,406
Home - REPAY. At REPAY we are innovating the best financial technology and payment processing solutions for our clients.
Alexa Rank
1,000,001
Personal Loans up to R250,000 | Online Loans | Short Term Loans. Bayport Financial Services provides personal loans and funeral insurance. Apply for a loan online, Loans up to R250,000 and up to 84 months to repay
Alexa Rank
241,697
Repay. Pocket Money, Technologies for Financial Inclusion
Alexa Rank
1,000,001
LoanWell | Create, Fund, and Repay Friends and Family Loans Online. LoanWell helps you create loans between you and people in your community and repay them automatically. Instead of high interest bank financing, LoanWell helps you get a cheaper loan while people in your community earn the interest.
Alexa Rank
1,000,001
LoanWell | Create, Fund, and Repay Friends and Family Loans Online. LoanWell helps you create loans between you and people in your community and repay them automatically. Instead of high interest bank financing, LoanWell helps you get a cheaper loan while people in your community earn the interest.
Alexa Rank
1,000,001
Repay.Me | Geld zurück bei jedem Einkauf. Der neue Marktplatz mit revolutionärem Cashback-System! Online und lokal shoppen ✓ Für Käufer und Verkäufer ✓ Jetzt registrieren!
Alexa Rank
1,000,001
Loading. Buy cheap train tickets to London, East Sussex, Kent & More with Southeastern. Check train times via the Southeastern website & save on credit card and booking fees
Alexa Rank
309,704
Delay Repay | Train Delay Claim. This website will help you claim and remind you of delayed trains so hopefully you''ll never miss out on your compensation again.
Alexa Rank
1,000,001
Repay Payment Solutions | Just another WordPress site
Alexa Rank
1,000,001
Flex Repay UK: Payday Loans - Loans £100 to £5,000 | Apply Now. Get your cash fast, thousands get accepted with Flex Repay UK. You could be one of them. Apply today for a Short Term loan.
Alexa Rank
1,000,001
Dog Daycare, Dog Boarding, Grooming & Spa | Dogtopia. Dogtopia is the leading provider of dog daycare in North America. We provide award-winning dog daycare, overnight, weekend and holiday boarding, and spa services.
Alexa Rank
336,098
Sharjah Debit Repay
Alexa Rank
1,000,001
HugeDomains.com - WiRepayToday.com is for sale (Wi Repay Today)
Alexa Rank
1,000,001
Debt consolidation: Smart ways to consolidate debt and save bucks - DebtCC. Get FREE debt counseling and advice from certified counselors to consolidate multiple debts like credit cards, pdls, medical bills, etc. and repay through single monthly payments. Check how much you can save by consolidating your unsecured debt.
Alexa Rank
617,995
FormFree | Digital Asset, Income and Employment Verification FormFree. Leading lenders trust FormFree’s automated asset verification solutions to streamline the loan origination process and provide better intelligence on borrowers’ ability to repay. Reduce origination times by up to 20 days!
Alexa Rank
622,835
Moneyboat® | Direct Lenders UK | Short Term Loans up to £1,500. Moneyboat is a flexible direct lender. Apply today to borrow £200-£1500. Repay over 2 to 6 months. FCA Authorised & approved UK lender.
Alexa Rank
685,672
FlightDelayRepay | Guaranteed £100 instant payment for delayed airline passengers. 100 GBP/EUR/USD instant flight delay compensation for your loyalty programme customers. Paid on the day in seconds with no need to claim. For all flights to and from Europe, no exclusions. Simple as Flight Delay Repay.
Alexa Rank
1,000,001
Chalkscribe Greeting Cards - Handcrafted in Los Angeles, California – chalkscribe. Greeting Cards now available nationwide in Paper Source, Nordstrom, Urban Outfitters, West Elm and more!
Alexa Rank
1,000,001
Office of Elizabeth F. Rojas, Chapter 13 Trustee | San Fernando Valley & Northern Division. * This Internet site is provided as a public service to the community served by the Standing Trustee of San Fernando Valley and the Northern Division. * Chapter 13 is a section of the Bankruptcy Code which helps qualified individuals (or small proprietary business owners) who desire to repay their creditors but are in financial difficulty. * Chapter 13 protects individuals from the collection efforts of creditors; permits individuals to keep their real estate and personal property; establish a plan to repay their debts through reduced payments. * During the period of the plan the individual is called a "debtor". The size of the plan payments are determined by the amount the debtor can afford after paying necessary living expenses.
Alexa Rank
1,000,001
Deposit Guarantee Scheme Ireland. The Deposit Guarantee Scheme (DGS) protects depositors in the event of a bank,building society or credit union authorised by the Central Bank of Ireland being unable to repay deposits
Alexa Rank
1,000,001
Unstressed Syllables | Writing advice for everyone. We've been discussing backstory these last few weeks, and we'll be wrapping it up today. I hope that I've shown you how important backstory is and how carefully you need to handle it. We'll finish today with an exercise that I did with two other writers. You may remember Francesca from the writing sample she so kindly offered up for public review a couple of months ago. She and Tony and I came up with a character and discussed ways that different backstories would change the direction of the plot. Because of time constraints, the conversation has been edited for length. --- Me: Okay, so here's the plan. I'm going to give you some basic information about a character. Then we're going to brainstorm possible backstory elements of his or her life. The goal is to determine how those elements of backstory would affect the direction of the plot, or affect each other. Our character's name is Kendall. Male or female? Francesca: Male. Tony: I'd say male as well Based solely on gut Me: Sounds good. So Kendall is male. 20-something years old. Romantically unattached. Did he go to college? Tony: Yeah, it's likely Francesca: Probably for a few years, at least. He studied art. Me: Did he graduate? Tony: Okay, yeah, he graduated, or is in the process of graduating Francesca: He went to college because that's what all young adults do; you graduate high school and then you go to college. Then you get a job. It was what was expected of him... Maybe he didn't enjoy it as much as he thought? Tony: If he's a protagonist and it's a tragedy, then he's graduated already Me: Why would that make it a tragedy? Tony: Because, typically, in a tragedy, the protagonist has it all. It's a fall. An education can easily represent stability and success Me: Unless it's an art degree Francesca: Which is why he dropped out! Tony: lol Or worse Philosophy Me: One of my favorite characters I ever wrote was a philosophy major who couldn't do anything after college, so he became a PI Okay, so, he was an art student, and he graduated. What kind of plot do we expect here? Francesca: Okay. Kendall has an older sister named...Laura...who already went through the whole college biz. She was a business major, graduated with honors, married her college beau, is expecting a kid. Me: Ahh, so he has a lot to live up to Francesca: Yes. Tony: I'd be tempted to place him in a fantasy type setting, too Something where there's an element of science fiction, or magic, or something supernatural I'd want to make take an ordinary guy and see what happens to him if he's placed in an extraordinary situation Me: Fun twist. Francesca: Kendall and Laura have a decent relationship; he's seven years her junior. He feels like his parents have always compared him to her (whether or not they actually DID isn't relevant, but he FEELS as though they did) He also feels like Laura was the favorite. Tony: I like everything Francesca's saying about Laura, too But maybe this doesn't strain his relationship with her But with his parents Francesca: Right, exactly. Tony: Right. I wouldn't see a great deal of conflict with Laura UNLESS we made that a plot device Francesca: Their parents are likely divorced, since it's a modern setting. Tony: Another circumstance to overcome Francesca: Maybe there's a step-mom Tony: That'd go with the fantasy element lol We just wrote Cinderella for a guy Francesca: ...Kenderella? Me: Wrinkle on wrinkle. Okay, so we've got wicked stepmothers and perfect sisters. So what's his story question? What's the difficulty he has to overcome, and what does a happy ending look like for him? ***For those of you watching at home, Tony and Francesca have agreed to each write out the answer to the previous question at the same time, and then send the answers simultaneously to look at how their answers differ. Francesca: Kendall is 22, has dropped out of school, and is now faced with having to get a job he doesn't necessarily want to repay student loans. He is happy for / proud of his sister, and his relationship with his parents is rocky. They are disappointed that he has dropped out, and his mother insists that art was probably not the best idea in the first place. His dad is on his side. Kendall gets a job at the city library. One day, an old cartography book is given to the library and it's Kendall's job to sort it and place it or whatever. As he looks through the book, he realizes that the maps are incredibly old and, also, incredibly fictitious. But its quality surpasses that of just any "fantasy book" with a map thrown in for detail. Also, at the back of the book, he finds a key taped (glued? strung?) to the inside cover. There is a smaller map attached to this, a map of his town, leading to the door to which the key belongs. Kendall's question is whether or not to find the door. The difficulty to overcome: continue in his mediocre life, or set off on an adventure? A happy ending looks like Kendall becoming more sure of himself and feeling as though he has purpose. Tony: Okay. His story... Well, I'm going to place him in an extraordinary situation. Maybe he's a witness to something, or he sees something that he's not supposed to. Maybe he develops an ability. An art major drop-out who is wanting to live up to the pressures and expectations of life and his family. So a happy ending for him would look like achieving that balance, and a level of self-discovery that the expectations are actually his own chains. His happy ending is freedom, whether he achieves his goal or not. Maybe he has to save the world, or maybe even save his family. I think that would be cool, that there is an outside force that is putting pressure on his family and causing conflict either from within or without or both. Laura would be oblivious to it, or, if she was aware, would be helpless to do anything. He'd be called to step up, to make his stand, and, in so doing, save the world, save his family, but really he's trying to save himself. A wicked stepmother would be a good catalyst for this conflict, I think, but it'd be a cool device that he actually ends up being crucial and key to helping Kendall achieve his goals. Francesca: The door could be a parallel to Pandora's box. Tony: What do you mean? Francesca: Say that we go with the rough plot I mapped out just now, and combine it with your idea. Let's say he finds this key, and in his insolence and frustration decides that he wants to follow the map. Turns out that the door is a door that is holding back some type of darkness, evil, or other force which then causes trouble in the world. Kendall CAUSED the problem, and now he is faced with how he must fix it? Me: Kendall has to shut the door and save the town from evils galore. That process includes reaching a place of freedom and confidence concerning his place in his family and in society. How would it change the plot if we revealed in the first chapter of the book that Kendall was an eagle scout. Tony: He would have skills and abilities that would make him unique. Maybe he's really good at X badge/ability and that would play an important role in one of the trials he must overome He has to be uniquely suited, even though he seems ordinary, for the task at hand Also, he hated Boyscouts and didn't want to do it But it was just more pressure from his folks and his desire to perform He'd at least be able to read the map lol Francesca: It would be able to show off the resentment between him and his parents. Being in Eagle Scouts was an outlet for his parents to show their pride and love; "We love our son, we put him in Boy Scouts, he is very accomplished. We're so proud." But as an adult, your parents have to naturally back off. So being an eagle scout, for Kendall, is just a sign to HIM of his parents' love that is no longer there, or at least not there in the same LEVEL, which he takes personally. Does that make sense? Tony: Yeah, I think. Francesca: Also I think that it would be a natural lead into Kendall having a kind of entitlement issue. Me: Okay, let's change it up. What if, instead of an eagle scout, Kendall spent a couple of his teenage years in juvie for pickpocketing and stealing. Tony: Well my initial instinct is, "That makes it more interesting" Francesca: Then the resentment begins earlier. The disappointment of his parents shows up sooner, and it gets balled up inside of him. Did Kendall go through any kind of rehab? Me: Rehab? No, I'd say not. A couple of cursory counseling sessions. But mostly he turned eighteen with a GED in hand, and the system turned him loose with a sealed record How do these two different backstories affect his story question? What kinds of obstacles would an entitled eagle scout have to overcome as opposed to a jaded kid criminal? Tony: I think they both feel entitled to some degree. Because in both cases, Kendall would see himself as the victim In both it's Kendall taking responsibility Francesca: Eagle Scout Kendall - He needs to overcome this feeling of self-doubt and insecurities which are mostly brought about by his own feelings; he has the capacity to succeed and he KNOWS that and he feels that he CAN get to that success again, somehow. Juvie Kendall - Outside influences have made him more jaded. Yes, he got to juvie because of what he did, but now he doesn't have a background of success and accomplishment. He feels that he's a loser, and will probably always be. He doesn't really see the point in trying, because other people will just shoot him down or lock him up, maybe? Tony: The Juvie Kendall is more interesting because now he doesn't just have broken up parents, but also a system that has disciplined him and he feels oppressed and jaded Me: One last question. If we go with Juvie Kendall, do we reveal at the beginning that he was a miscreant? Or do we reveal it toward the end, and hint at it along the way. How does that change the plot? Tony: Later. I want you to hate him at first, and ask yourself, "Why the heck do I even care to read about this guy?" He's like Luke Skywalker and the beginning of A New Hope Francesca: It alters the pace significantly either way. As far as "big reveals" go, I think juvie is pretty minimal. Me: So if it's a later reveal, it needs to be bigger Tony: Yes Me: Like maybe he killed a guy Francesca: Yeah. Exactly. If he was just a petty thief, then you can reveal that early on. Tony: Agreed Or he had a traumatic experience in Juvie Me: Ah, like what? Francesca: Say he was, oh, molested or even raped. THAT is big-reveal-worthy. Also gross to think about. And sad. Tony: Yeah, but it would humanize an otherwise deplorable character Me: Is that cliche? Are there other things that could have happened there? Francesca: Witnessing somebody else murdered, perhaps. Witnessing some kid commit suicide? Tony: Beatings, somebody else killed HIs best friend suicide, specificially Or his love interest Me: Okay, well, I think I have more than enough material to give the readers. Thank you for all your help.. Tony: No problem. Hope they get something out of it. Have a good one, internets.
Alexa Rank
1,000,001
Home - IVA Today Ltd. Find out whether an IVA could be the right debt solution for you. Repay only what you can afford with an IVA and write off debt that you can't afford.
Alexa Rank
1,000,001
Debt consolidation: Smart ways to consolidate debt and save bucks - DebtCC. Get FREE debt counseling and advice from certified counselors to consolidate multiple debts like credit cards, pdls, medical bills, etc. and repay through single monthly payments. Check how much you can save by consolidating your unsecured debt.
Alexa Rank
1,000,001
$100 - $1000 cash loans - Chequers Finance. Cash loans - short term, unsecured, no credit checks. We lend from $100 to $1000 depending on your income. Four weeks to repay. Similar to a Payday Loan or Payday Advance.
Alexa Rank
1,000,001
Personal Loans up to R250,000 | Online Loans | Short Term Loans. Bayport Financial Services provides personal loans and funeral insurance. Apply for a loan online, Loans up to R250,000 and up to 84 months to repay
Alexa Rank
1,000,001
Home Design Richmond | Get The Rich Design Of Your Home. Get fast $ 300 better cash loan Honolulu CDP, HI direct lender. Get same day personal loans up to $5000. You can also apply quick $ 700 net pay advance loans San Antonio, TX within one day . Online payday loans are one thing you need to comprehend before you decide to get one or otherwise. There is lots to consider when you think of obtaining a cash advance. As a result, you are likely to desire to develop your understanding on the subject. Browse through this short article to learn more. Should you be thinking of by using a pay day loan services, know about the way the business expenses their charges. Most of the personal loan charge is introduced as a smooth volume. However, when you compute it as a a share amount, it may go beyond the percent rate that you will be getting charged on your own credit cards. A toned fee might sound reasonably priced, but will cost as much as 30% of the authentic loan sometimes. Before applying for a payday loan have your documents to be able this helps the financing company, they will likely need proof of your revenue, to allow them to evaluate your capability to pay for the money again. Handle things just like your W-2 form from operate, alimony obligations or resistant you happen to be receiving Social Security. Make the most efficient circumstance feasible for on your own with correct paperwork. With a pay day loan, expect a relatively substantial charge in exchange for quickness and comfort. You will get your cash faster than you will from the lender, however the fees may add up. Be worthwhile your loan as soon as possible and avoid moving it above to another examine. If you have applied for a payday advance and possess not listened to rear from them but having an approval, do not wait for a response. A delay in authorization in the Internet grow older typically shows that they will not. This implies you have to be on the hunt for one more answer to your short-term financial crisis. While confronting a paycheck financial institution, keep in mind how securely controlled these are. Interest rates are generally legally capped at various level's express by express. Really know what obligations they have and what specific rights which you have like a consumer. Have the contact details for regulating govt office buildings useful. When you are in need of income very fast, a payday loan could be your best option. You can have the money transferred in your bank account inside of an hour. Then, if required, you may sign up for a regular loan which will take much longer to process to pay it off. When trying to get a cash advance it would be smart to consider, and pay for the bank loan back in full by the because of day without having extending it. Interest levels are sky high for most of these personal loans, therefore the quicker you spend back your loan the greater funds you will save. In the event that you might be often getting online payday loans, treat the fundamental reason behind why this can be taking place! Pay day loans might help you for the short term.In the long term they are able to really kill your own budget, when you are not cautious. Figure out why you keep wanting these financial loans, Try to transforming the problems associated with it. Ensure that you read through each of the small print, before you apply to get a cash advance. Lots of people get burnt by payday loan businesses, mainly because they did not go through each of the details before you sign. Unless you understand every one of the terminology, question someone close who is aware of the content to help you. In no way use greater than it is possible to repay. You may have most likely heard this about credit cards or another lending options. Although in relation to online payday loans, this advice is more crucial. When you know you may pay out it back right away, it is possible to steer clear of a great deal of costs that typically come with these kinds of lending options. Payday cash loans are generally expected within 14 times of taking out the borrowed funds. You are offered a choice to either look at the business office to get the check out you authored and pay the financial loan away from or enable the payday loan place of work to publish the check out you composed in your financial institution for payment. A payday advance can assist you during the tough time. You just need to ensure you read all of the little print out and get the important information to help make knowledgeable alternatives. Use the information to the individual payday loan practical experience, and you will recognize that this process should go much more smoothly for yourself.
Alexa Rank
1,000,001
Rona Smith – NYS Assembly District 2. Your Advocate for: Creating Financial Stability - Outstanding student loan debt now tops $1.5 trillion, exceeding all outstanding credit card debt. - Students need information on average earnings after graduation so they can assess their ability to repay loans. - Objective counseling must be provided for students and families.  Currently, counseling is from lenders, with…
Alexa Rank
1,000,001
3. BMG Money offers emergency loan programs that allow you to borrow responsibly and repay debt in affordable installments. Credit score will NOT be affected!
Alexa Rank
1,000,001
About GradFin. GradFin is a student loan benefit program with the mission to help your clients repay their student loans faster.
Alexa Rank
1,000,001
Home | Tritan Software, The #1 Provider and Choice of the Maritime Industry. Tritan Software has established itself as the industry’s #1 provider of Health Information and Incident Management software platforms. Our list of Clientele includes the premier organizations within the industry. We strongly value the trust our Clients place with our organization and repay this with the highest levels of service, work ethic and returned value.
Alexa Rank
1,000,001
Pasternacks Pawn Shops | Pawn Gold Diamonds Guns. We at Pasternack's Pawnshops also agree to and offer weapons, and have a selected area for a gun store. If you consider selling a gun, make sure they function under limited condition rules. Gun trader need licenses and customers should present appropriate certification. Most areas need state permit, evidence of residence, and other certification to buy weapons. We are an authorized gun store. Come in and check out our selection of guns and accessories. How to Pawn Firearms/Gun When cash is limited and you need to pay expenses, you need to do whatever possible to pay. If you own gun, use them in your benefit by pawning them for cash. When you resale something, you are getting a loan by using your valuable items, in this situation your weapons, as collateral. 1. Figure out where the nearest pawn shops are to you and contact before you check out. Confirm that they deal with weapons. Firearms have become a delicate topic in some places and some resale shops who handled weapons just a few decades ago won't contact them now. 2. Know about your firearm/gun before you move in the shop. Know what kind of gun it is and how to cope with it. The more you know the more you are likely to get for it. The first concerns the worker in the resale shop will ask you are if you are selling or pawning and how much you desire to get for it. If you desire to gradually recover your gun, you need to resale it. The quantity you provide them with will not modify the most they provide you with for your weapons, but they will loan less than the highest possible if you can get by with less. 3. Evaluate what several different shops will provide you before you choose where to pawn your gun. The amount provided from one shop to the next can vary significantly. Evaluating several different shops is usually not hard to do since resale shops are generally in the same places. 4. Carry your certificate with you when you resale your gun. They will need a duplicate of it. If you cannot pay off your gun, they will run a criminal history examine on you before it is put up on the market. If the criminal history examine does not come back fresh, they will sue you for what you owe them. 5. Focus on the circumstances of your resale loan. Your first transaction will probably be due 30 days after your preliminary resale time frame. If you do not pay on your resale by the last day mentioned on the declare type, you will reduce your weapons and they will be put up on the market. Can I pawn guns and rifles? Unlike electronics equipment, firearms do not lose their value too soon, making them some of the best items for acquiring loans quickly. Apart from jewelry and other items in silver and gold, firearms are among the most popular items traded by such businesses. Due to their financial and emotional value, most people do their best to recuperate firearms, even when the interest rate is up to 25%. Most customers will manage to repay the loan and get back their items within 30 days.
Alexa Rank
1,000,001
Latin American Energy Review | Intelligent debate on energy issues. Summary: Many emerging market governments – including those in Latin America -- are unwittingly promoting speculation in their renewable energy auctions, with developers and lenders getting caught up in it as well. This has a destabilizing effect on the energy sector and ultimately does not serve citizens' or investors' best interests. A brief analysis of the situation with recommendations. About the publisher: Carlos St. James is a leading advisor to energy investors, bankers and developers in at Wood plc. He is also a board member of the Latin American & Caribbean Council on Renewable Energy (LAC-CORE) and publishes the Latin American Energy Review to help generate debate on the industry's issues. He will next be speaking at the Andean Renewable Energy Congress in Bogota, Colombia, November 14-17, 2017. ============ We've seen the charts and graphs highlighting the increasingly low electricity prices obtained in renewable energy auctions in Latin America under government-sponsored power purchase agreements (PPAs). The announcement of a US$37 per megawatt-hour (MWh) bid achieved in Peru's wind auctions gets overshadowed by the $29/MWh achieved by a solar project in Chile, which in turn become old news with a winning $27/MWh price in Mexico. And so on. Energy ministries avidly compete for these headlines. Yet this push for ever-lower prices as sole determinant of success has an important distortional effect on energy markets. As it turns out, many of the lowest-priced winning bids do not get built because they are not financeable by banks (i.e., "bankable") at those prices. Those that do get built with similarly low prices operate on a razor's edge with no margin for error. This is not the ideal structure of a sound national energy matrix. "Countries will not be able to develop sound capital markets if they remain dependent on subsidized lending." The need for bankable proposals Banks typically need to see debt service coverage ratios of between 1.25-1.50 times (at P90) a project's cash flow in order to lend. But because auctions are structured to only consider lowest price as determinant of success, they result in reduced cash flow from projects and in turn lower debt service ratios – below the levels banks can approve. And so banks shy away from them, resulting in two adverse effects: continued dependence on development banks and export credit agency (ECA) guarantees to access financing, and a rise in speculation by developers, scrambling to lower the quality and warranties on technology (solar panels and wind turbines) so capital expenditures and debt is lowered. Dependance on previouly-owned or otherwise rejected equipment is on the rise. Emerging market countries will not be able to develop sound capital markets if they remain dependent on subsidized lending, and growing an energy matrix using firms who steer towards high risk solutions that don't have correspondingly high upsides (as is the case with renewable energy auctions) is like playing with fire. Sooner or later you're gonna get burned. Turkish and Argentine cases Turkey's recent wind energy auction provides an example of what's happening. See Graph A; click on images to enlarge. Eight large multinational conglomerates made initial bids for the 15-year power purchase agreements (PPAs) being offered by the energy ministry. The auction was to have a single winner. Prices in the initial round of bids were all between US$52 and 63/MWh. These were all bankable in the traditional sense: Turkey had lost its investment grade status in 2016, so these prices allowed for access to project financing at higher interest rates. Graph A: Summary of results of Turkey's renewable energy wind auction, August 2017. Data source: Bloomberg New Energy Finance and Citibank But the government included numerous additional rounds whose sole objective was to lower the price. Five of the initial eight immediately dropped out; that in itself is significant. In the end a winning price of $34.80/MWh was obtained – a 38% drop from the first round's average $56/MWh. (Bear in mind the best wind in Turkey is about 6 meters/second, roughly a wind power class of 2 or 3 -- where class 7 represents the highest wind.) This winning price is not bankable in the sense of using project financing debt as a primary source of capital. Commercial banks won't touch it without further guarantees, so it is likely to be relegated to subsidized financing from development banks. Within Latin America, there are a number of comparable examples. Let's take a quick look at an admittedly unique situation: Argentina. See Graph B. Last year's RenovAr auctions, Rounds 1 and 1.5, were eye-opening on many levels and an unequivocal success from the government's perspective. Argentina had been absent from international debt markets for about a decade and the local private sector had no experience developing or pricing renewable projects -- and it showed. On the solar side there were 20 initial bids that also participated in Round 1.5. Graph B: Summary results of solar PV bids in Argentina's RenovAr Rounds 1 and 1.5 renewable energy auctions of 2017. Data source: Argentine ministry of energy Round 1 had seen extremely wide prices ranging from US$63 to $99/MWh from this grouping; in Round 1.5 those very same projects presented new prices ranging from $48 to $59/MWh, a 31% drop on average but narrowing the range considerably. The most extreme case was a 52% drop in bid price. These bidders were essentially shooting in the dark – with the government's blessing. Save larger corporates that had access to institutional funding or were using their own balance sheets, bidders had no clear sense of cost of debt and were simply hoping to have a winning project to sell: they were speculating. The country remains dependent on development bank financing and ECA guarantees. Additional considerations Penalties for not building a winning project are typically not high; governments have decided they would rather have many market participants than simply good ones and to let market forces separate them. Three final examples from Mexico, Chile, and commercial banks: In Mexico an unexpected twist took place: the last auction resulted in such low prices that the 15-year energy PPAs had insufficient tenor to repay debt (note that Turkey's auction also has 15-year PPAs). Commercial lenders backed off after realizing they needed 18-20 years for debt to fully amortize at those prices, and so the government muscled the three national development banks to step in: institutions which, while very professional and capable, do not have significant experience in project finance nor renewables. Again: increased dependence on subsidized lending. As mentioned in an earlier analysis, Chile's current auctions allow for a six year period between signing the winning PPAs and commercial operation date. While ostensibly it allows winners more time to finish putting together their projects, it actually entices them to speculate on lower technology costs (namely cheaper solar panels). Yet too much can go wrong during this waiting period: interest rates may well rise, trade walls get built. Commercial banks are looking for ways to not miss out on the opportunities, persuading themselves the projects can be made bankable. How? By adding merchant risk, i.e., betting on spot price sales of electricity to enhance cash flows. They're allowing projects to be structured to have about three quarters of installed capacity sold under the long term fixed price PPAs -- and the remainder sold at the open spot price. Since spot prices are usually higher than the fixed price of the long term PPAs it has the effect of increasing the weighted average overall price and therefore projected cashflows. This is even being considered in Chile, which had a painful experience from lending to merchant projects as outlined in this other analysis. Increasing use of the spot price is already taking place in markets like the United States. But they aren't comparable to Latin Americas': they're much larger, more sophisticated and efficient, and have numerous ways to box in uncertainty through hedging. Latin American energy markets are only in the very early stages of shifting from managing contracts to managing energy and risk. Better ideas needed One possible solution could be in the way emerging market governments structure their auctions. Rather than seeking the lowest price, they could seek assurance of bankability (tip of the hat to Mike Eckhart at Citibank from where this idea was born). Selecting the lowest price among bankable proposals would include a balanced evaluation comprised of three legs, each weighing about a third for purposes of decision making: a financial plan that might include a letter from an accounting firm confirming its viability, or better yet, a commitment letter from a bank; a price structure that includes escalators allowing for more breathing room in the project and for ownership changes once operational that can reduce return on investment requirements; and technical evaluations: letters from independent engineering consultants stating that the projects as envisioned are indeed technically viable*. The industry's continued growth will be tested when the lowest-priced projects continue to fail at reaching financial closure -- or worse, fail outright and weaken a country's overall energy matrix. This is a very avoidable problem. *in the interest of transparency, note that I work for one such technical advisory services firm – specifically one of the largest of its kind in the world, that has worked on more than 160 GW's worth of renewable energy projects globally. Wood plc has pretty much seen it all. © Latin American Energy Review 2017 This report has been prepared by Carlos St. James for The Latin American Energy Review. The views expressed on this site are his own and do not reflect the views of Wood plc, its affiliates or business partners. This report has no regard to the specific investment objectives, financial situation or particular needs of any specific recipient. It is published solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. The report is based on information obtained from sources believed to be reliable but is not guaranteed as being accurate, nor is it a complete statement or summary of the securities, markets or developments referred to in the report. The report should not be regarded by recipients as a substitute for the exercise of their own judgment. Any opinions expressed herewith are subject to change without notice and The Latin American Energy Review is not under any obligation to update or keep current the information contained herein. The Latin American Energy Review accepts no liability whatsoever for any loss or damage of any kind arising out of the use of all or any part of this report. Additional information will be made available upon request.
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