Velvet Trace Capital Inc.® — Commercial Credit & Private Investments

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WHO WE ARE—

Velvet Trace is a licensed, registered, privately-held C-Corporation based in Los Santos and operating across the state of San Andreas. Founded in 2003 by CEO Orson Gould, Velvet Trace has remained committed to continued investment in commercial startups and business growth in the Golden State. Operating as an independent financial firm not owned by any larger national or global banks, we seek to deliver asset-backed credit to prospective business founders and successful commercial enterprises.

Orson Gould, CEO & Founder of Velvet Trace Capital Incorporated.

Having pursued a lifelong career in investment and finance, Orson Gould brings his vision of mutual capital growth between firm and client. Mr. Gould believes investment in a new enterprise is about more than the dollar value—it's also about mentorship, consultation, accountability, and trust. While banks lend money based purely on credit score and dollar value, content to drive an account red or send it to collections if it fails, Velvet Trace strives to take a deeper interest in the long-term success of its accounts.

OUR MISSION—

At Velvet Trace, we bridge the gap between ambitious business owners and the capital required to build lasting and successful commercial enterprises. By providing business owners access to the market liquidity necessary to scale operations, we aim to finance, structure, and secure the commercial sector of Los Santos. While some are privileged enough to be born into the wealth needed to learn through trial and failure, we at Velvet Trace recognize that many sharp entrepreneurs and visionary innovators lack the inherited capital to make their vision a reality. There's no need to waste the best years of your life daydreaming about creating a venture that the market needs, when you can spend that time living out that dream instead.

OUR PHILOSOPHY—

Velvet Trace believes in structured risk management, discretion, and long-term institutional relationships rather than quick transactional deals. We encourage our employees to strive to make every client a partner. While we understand the needs of some clients may not exceed a single agreement with Velvet Trace, we hope to foster a long-term friendship with successful enterprises in the form of an account, through which we can offer more favorable terms for lines of credit and access to Velvet Trace's resources. New employees to the company are encouraged to adapt to our values with Gaia.
Growth: Velvet Trace's success is not strictly measured by the size of its account. We encourage our employees to always be on the lookout for new clients to bring into our portfolio, as well as ways to help our clients and accounts continue to expand and improve their own operations. We see our employees as investments worth continually pushing to improve and develop as long-term partners of Velvet Trace.
Agency: We encourage our employees to engage in a proactive lifestyle, making key decisions on their own and solving problems without needing to rely on a chain of custody. Driven by the three principles of the High Agency Triangle, we encourage our employees to believe: "I will figure it out." "I am willing to be misunderstood." "I can fix it if it breaks." We actively reward employees who successfully mitigate defaults and close cases with our Eat What You Kill Commission Structure (Patent Pending).
Integrity: At Velvet Trace, we trust our employees to manage liability and avoid assuming unreasonable risks on behalf of the company. We aim to share a company-wide vision of risk mitigation and market literacy, discouraging the leveraging of assets between accounts or against personal stakes in the market. While we encourage day trading during employee downtime to maintain market literacy, our employees understand the dangers inherent to influencing company operations in order to adjust personal outcomes.
Accountability: Our department heads conduct Quarterly Performance Reviews of all employees under their jurisdiction, with department heads subject to performance reviews including the performance of their entire team, once every fiscal quarter. In addition to encouraging employees to look out for one another, these performance reviews allow the company to reward outstanding behavior as well as propose Performance Adjustment Plans to rectify shortcomings in employee conduct. By tying perks and promotions to overall quarterly performance, Velvet Trace aims to foster a workplace culture of introspection and proactive self-improvement rather than traditional and unproductive punitive measures.

 Proudly presented by Orson Gould, CEO, Velvet Trace Capital Incorporated®

Edited August 4Aug 4 by Peregrine

Velvet Trace Capital Inc.® — Commercial Credit & Private Investments

COMMERCIAL SERVICES—

Velvet Trace offers asset-backed loans for newly registered businesses, venues, commercial enterprises, etc seeking initial operational capital. Whether it be a mom-and-pop corner store to a tech startup, Velvet Trace aspires to meet the needs of any prospective capital venture.

ASSET-BACKED ASSURANCE: Low or no credit score? At Velvet Trace, we understand that some individuals new to the city or to the commercial sector may lack an established credit history. Rather than locking clients out of loans for poor or no credit, Velvet Trace offers business loans based on Tangible Collateral which serves as insurance on investment. Certified automotives, real estate, valuables, or business inventory can be held in escrow against your loan to ease the approval process^*. In the event a client defaults, this asset covers Velvet Trace's losses—unlike a bank, default won't result in increasingly unmanageable compounding debt.
^{Equity option assessments available on request.}

CUSTOMIZED FOR YOUR NEEDS: If your business operates on an atypical revenue cycle or operational procedure, we understand that it may be difficult to meet a repayment schedule set on our terms. We offer fully customizable loans with adjustable down, interest rate, repayment window, and deposit schedule based on your needs and schedule.

HELP WHEN YOU NEED IT: Missed payments aren't the end of the world. Accounts in arrears are not automatically defaulted; at Velvet Trace, we make every effort to reach out to you in order to offer loan restructure options. We understand that not everyone's first business will go perfectly; we'll do our best to help you navigate any hiccups and pay down your balance successfully^**.

LINES OF CREDIT TO ESTABLISHED ENTERPRISES: New ventures are not the only businesses that may need to borrow. Velvet Trace offers loans and long-term lines of credit to established businesses at favorable rates. Useful for motor pools, employee payroll, branch expansion or equipment purchases, we offer tailored plans for business accounts and may draft special offers for clients who are preparing to close their balance on time and in good standing.

RISK ASSESSMENT & FINANCIAL CONSULTING: Not every business needs to borrow to thrive. Recognizing that long-term stability often depends on internal oversight rather than external capital, Velvet Trace provides comprehensive advisory and forensic services to commercial enterprises across San Andreas. We deliver rigorous evaluations of corporate policy, business model viability, and expansion strategies. Our consultation portfolio spans everything from official notarization and legal contract inspection to financial audits, fraud and embezzlement investigations, and employee productivity reviews—ensuring that our corporate partners operate with total fiscal integrity and minimal operational risk.

^{*Velvet Trace reserves the right to classify assets as High, Medium, or Low Risk. Velvet Trace reserves the right to adjust interest, down payment, term length, maximum withdrawn, and other variables based on Asset Risk. Velvet Trace reserves the right to reject loan applications based on Asset Risk assessment.
**Velvet Trace reserves the right to write managerial vetoes and enterprise staffing status into loan or loan restructuring terms in order to preserve investment value against perceived Risk.}

C-CORPORATION REGISTRY—

Velvet Trace Capital Incorporated is a registered C-Corporation, with Orson Gould remaining ownership of all shares. The CEO is advised by a small board comprised of the company's senior-level staff, some of whom may be granted power of attorney over the company in the event Mr. Gould is unavailable to make major decisions. Velvet Trace Capital Incorporated possesses the following licenses in addition to Commercial Credit & Private Investment authorization in order to lawfully liquidate defaulted assets in escrow and perform other business duties as necessitated by equity share or risk mitigation: Professional Service License, Real Estate Broker License (DRE), Auto Dealer License (DMV OL), International Import/Export License.   

OOC NOTICE—

Velvet Trace is an LFM-approved commercial finance faction. We maintain strict compliance with server regulations and seek to foster a high-standards corporate roleplay environment. Individuals interested in conducting illegal activities leveraging this faction's assets, such as insider trading, embezzlement, money laundering, or other white-collar crimes are encouraged to open a ticket and clear it with LFM prior to applying for a job at Velvet Trace.  

Edited August 2Aug 2 by Peregrine

Velvet Trace Capital Inc.® — Commercial Credit & Private Investments

Union Depository Campus Map & Velvet Trace Office Guide.

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CHIEF EXECUTIVE OFFICER—ORSON GOULD

TELP# 555-3498 — [email protected]

The final authority and public face of Velvet Trace, Mr. Gould works to set strategic direction, manage relationships with other leaders of capital enterprise and institutional authority, oversee major capital allocation, and resolve high-level internal disputes. Mr. Gould believes in agency and delegation, entrusting day-to-day operations to department directors and trusting all staff to have a proactive interest in personal and company growth. That said, some major decisions such as high-risk maneuvers, high-value clients, or major policy changes require direct intervention.

MANAGING DIRECTOR OF OPERATIONS—VACANT—$10,000/W STARTING*

The MDO is second-in-command of Velvet Trace and is granted power of attorney. They are responsible for assisting the CEO in overseeing departmental efficiency, auditing compliance, monitoring company assets, and protecting the overall health of company investments. The MDO is empowered to make decisions on Orson Gould's behalf in his absence, and is delegated high-level work to keep the company from being held back by top-heavy directive bottlenecks.

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CREDIT & UNDERWRITING DIVISION—DIRECTOR OF COMMERCIAL LENDING—
VACANT—$7,500/W STARTING*

The Director of Commercial Lending is a mid-level manager in charge of the Credit & Underwriting Division. With a team of up to 4 employees under their direction, the Director is entrusted with being the figure closest to the company's core revenue engine. They are responsible for making the final decision on most loans, and deciding whether a risky or major loan needs to be elevated to the CEO or MDO before approval. They have the agency to set interest rate structures, take command of restructuring, and otherwise define most loan conditions as necessary. Loan applications received online are assigned to Senior Underwriters by the Director based on Underwriter experience and case load.

SENIOR UNDERWRITERS—3 VACANCIES—$5,000/W STARTING*

Senior Underwriters answer to the Director of Commercial Lending and handle most in-person loan negotiation appointments, as well as any online applications assigned to them by the Director. Underwriters perform background checks, credit checks, assemble contract proposals and present them to the Director for approval, and stay in touch with clients assigned to their case load.

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ASSET & LOSS MANAGEMENT DIVISION—DIRECTOR OF DEBT RECOVERY—
VACANT—$7,500/W STARTING*

Working closely with the Director of Commercial Lending, the Director of Debt Recovery assists in monitoring portfolio health and takes control of accounts with poor performance, that are in arrears, or that have defaulted. The Direct of Debt Recovery is responsible for managing collateral and assets in escrow, both prior to default or maturity and arranging liquidation after repossession or seizure. Assists the Director of Commercial Lending in loan restructuring for struggling accounts, and delegates Field Operators to tasks.

FIELD OPERATORS—2 VACANCIES—$5,000/W STARTING*

Field Operators answer to the Director of Debt Recovery and are the most public-facing members of the corporation. Field Operators must possess perfect driving records and a valid license, as well as pass a defensive driving competency test administrated by higher-level staff. Both firearm permits and armed security licensing are not required, but are considered a major plus and if acquired result in a salary increase. Field Operators are responsible for the maintenance and security of the company motor pool, function as chauffeurs to transport other staff to clients or meetings, but primarily are responsible for tracking down absentee or defaulted clients, serving formal notices in-person, seizing agreed-upon collateral or repossessing property on behalf of the company, and working closely with Legal when court intervention is needed.

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LEGAL, COMPLIANCE, & AUDIT DIVISION—DIRECTOR OF PROCEDURE & AFFAIRS—
VACANT—$7,500/W STARTING*

The Director of Procedure and Affairs is in charge of maintaining the company's template contracts and agreements, ensuring every approved loan agreement is legally tight and resistant to loophole exploitation, and is charged with staying current with State & Municipal laws and regulations and ensuring the rest of the company is informed and compliant with the law accordingly. The Director takes charge of legal proceedings and court intervention in delinquent accounts, as well as directing the paralegals in making sure account documentation is accurate and up to date. The Director is responsible for maintaining current BAR certification.

CORPORATE PARALEGALS—2 VACANCIES—$5,000/W STARTING*

Answering to the Director of Procedure and Affairs, Paralegals assist in standardizing contract and agreement templates, work with Senior Underwriters to maintain internal account and case files, and conduct internal audits to mitigate loss through human error or identify abnormalities in normal financial operations. Paralegals are not required to hold BAR certification but must be certified Public Notaries at minimum. Accounting is not the primary concern of Paralegals, however the help they provide Underwriters in their downtime will be valuable and thankfully received by the Credit & Underwriting Division.

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*SALARIES SUBJECT TO ADJUSTMENT AS SERVER ECONOMY MATURES

 

Edited August 4Aug 4 by Peregrine