Can you suggest recommendations for the following loan proposals?

Proposal 1

In assessment of the proposed payback period, Fusion Holdings wishes to invest 250m (in the first proposal) with a fixed rate annuity for a period of 2 years and 50 percent LTV. However, company's statements indicated a decline in profit after tax over the past few years. Covenant - Min DSCR of 1.5 means that the company's cash flow is able to cover its yearly loan repayments of up to 150 percent hence will be able to pay its loan over the next 10 years. However, company's debit loan proposal is determined by its initial profit after tax of 23m and the proposed funding investment of 250m against a period of 10 years with an option of further financing for another 10 years. This means that Fusion Holdings will be required to make annual repayments of at least 25m over the next ten years. Its initial profit after tax of 25m indicates a limitation hence will expose its current assets to collateral securities as required by financial lender. This proposal will significantly impact company's existing financial debts since the company will risk posing its assets to lenders as collateral security. This proposal will also negatively impact company's capital growth and lure away future investors.

Proposal 2

The second financial loan proposal indicates a 20-year term loan of 250m at fixed rate annuity. A covenant Min-DSCR of 1.6 indicates a health repayment rate of 160% and interest cover of 3.0 which is a lower option for long term investment. A proposal of 250m indicates that the company should be able to settle at least 12.5m each year in order to fully settle its loan at the required timeline. Fusion Holdings statements indicates an estimates profit after tax of 23m hence indicates its ability to fully repay its loan at the required period. However, the second proposal indicates availability period of 3 years with up to 12 tranche drawdowns hence suggests an ideal business environment for both the loan lenders and the borrowing company. This will have minimal impacts on company's existing financial debts since the company will be able to repay its loan and also benefit from new investment.

Proposal 3

The third proposal on the other hand indicates a higher LTV rate of 85% for a term of 25 years to repay 250m loan. This proposal presents an availability period of 2 years with 8 trench drawdownsthrough loan period. The company projects to pay annual loan repayments of 10 for 25 years to fully settle its debts. Basing on its initial profit after tax of 23m, the company will be able to pay its annual loan repayments and will not expose its assets to use as collateral security by loan lenders. However, a two-year availability period and interest cover of 5.0 may indicate limitations in terms of company's financial growth. Also, this proposal will have minimal impacts in the already existing financial debts experienced by Fusion Holdings company.

Recommendations?