International Bankers Financial Group

What International Bankers Financial Group does

International Bankers Financial Group (IBFG) is a privately held, Miami-headquartered diversified financial services holding company founded in 1987 by Angel Leon. The firm operates five business divisions: (1) a Real Estate Mortgage Services division that brokers residential and commercial loans through a network of more than 20 lending partners, with a specialty in foreign-national mortgage programs (foreign national, jumbo up to $50M, investment, condo hotel, non-warrantable condo); (2) a Structured Trade Finance division providing customized leveraged lending solutions for transactions of $100M or more to governments, government banks, private banks, and private companies; (3) an Energy Division established in 1998 trading crude oil and refined petroleum products (fuel oil, mazut, gasoline, LPG, LNG, diesel, jet fuel) with claimed relationships to the largest refineries globally; (4) a Food Division branded Buena Vista that trades grains, feed ingredients, consumer food products, marine products, and raw materials for food and beverages; and (5) a Development Division focused on value-add real estate investing and development in urban-infill areas across the US and South America, with claimed project completions in excess of $1B and an average 27% annual yield on investor equity since 1995.

The company monetizes across all five divisions on a transaction-fee or intermediation basis — origination fees, interest income, and loan servicing fees in mortgage; deal-based fees in structured finance; trading spreads in energy and food commodities; and project-based economics in development. Its go-to-market is sales-led and relationship-driven: 90% of business is generated from repeat customers and referrals, supported by direct phone/email contact from Miami headquarters, a multi-division website with pre-qualification applications, and an extensive international office footprint spanning Brazil, Venezuela, Colombia, Ecuador, Spain, France, and Singapore. The platform is operationally thin (listed as 1–10 employees) but distributed across multiple geographies and lender relationships, and is regulated as a mortgage entity (NMLS# 339877, MLO License #MLO-347870). No public funding, M&A activity, formal partnerships beyond lender network aggregation, or AI/technology capabilities are disclosed in the source material.

Name

International Bankers Financial Group

Legal name

International Bankers Financial Group

Website

https://internationalbankers.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

International Bankers Financial Group is a Miami-based private financial services holding company founded in 1987, operating mortgage lending, structured trade finance, energy and food commodity trading, and real estate development divisions for foreign nationals, institutions, and developers across the Americas, Europe, and Asia-Pacific.

Ownership category

akta.pro rank

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Supply Chain

Revenue model

1. Mortgage Lending Revenue: International Bankers Financial Group generates revenue through origination fees, interest income, and loan servicing fees from residential and commercial mortgage lending. The company works with a network of more than 20 lenders to accommodate diverse financial needs, offering programs including fixed-rate, adjustable-rate, foreign national, jumbo, commercial, and investment property loans.
2. Structured Finance Services: Revenue from providing customized leveraged lending solutions for complex transactions including recapitalization, restructuring, leveraged buyouts, refinancing, growth financing, working capital, M&A, and capital expenditures for large-scale clients.
3. Energy Division Trading: Revenue generated from oil production and transportation, trading of crude oil and petroleum products including Virgin D6 Fuel Oil, Mazut 100, Gasolines, LPG, LNG, Diesel, and Jet Fuel to global markets.
4. Food & Agriculture Commodity Trading: Revenue from global grain procurement and sales network dealing in corn, soybeans, wheat, feed ingredients, consumer food products, marine products, and raw materials for food and beverages under the Buena Vista brand.
5. Real Estate Development: Project financing and development services for retail, restaurants, office buildings, and organizations including construction project management and re-branding programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

International Bankers Financial Group operates a diversified financial services platform that originates and brokers U.S. residential and commercial mortgages (with a specialization in foreign national borrowers), provides structured trade finance solutions for transactions over $100 million to governments, banks, and private companies, trades crude oil and refined petroleum products globally, and trades food commodities internationally under the Buena Vista brand. The company also undertakes value-add real estate development projects in urban-infill markets.

Product overview

International Bankers Financial Group is a diversified financial services company with five main divisions: Real Estate Mortgage Services (core mortgage lending and brokerage), Energy Division (petroleum products trading), Food Division operating as Buena Vista (commodities trading), Structured Trade Finance (complex lending solutions), and Project Development (real estate development). The company was founded in 1987 and has over 30 years of experience, originally focusing on mortgage lending to foreign nationals in South Florida and expanding into international commodities and energy trading. The mortgage platform offers access to over 20 lender relationships and proprietary lending programs, while the commodities divisions operate globally with offices across Latin America, Europe, and Asia.

Differentiator

Problem solved

Functional benefit

Brands

• Buena Vista: Food Division of International Bankers Financial Group, specializing in food commodities including grains, feed ingredients, consumer-use food products, marine products, and raw ingredients for food and beverages.

Products and services

• Real Estate Mortgage Lending Services Residential and commercial mortgage origination and brokerage services providing borrowers with access to fixed-rate, adjustable-rate, foreign national, jumbo, investment, and refinancing programs through a network of more than 20 lenders plus proprietary lending programs.
• Foreign National Mortgage Program Specialized mortgage financing for non-U.S. residents, including up to 65% financing on condos and up to $15 million loan amounts, with the ability to close in a corporate name.
• Jumbo Mortgage Loans Large mortgage loans exceeding $650,000 for foreign nationals, including super jumbo loans up to $50 million at up to 70% LTV, available as 3/1, 5/1, 7/1, or 10/1 ARMs.
• Investment Mortgage Program Foreign national investment or buy-to-let mortgage for U.S. properties, available in all 50 states, with up to 75% LTV and adjustable rates starting from 4.00% APR, including for condo hotels and non-warrantable condominiums.
• Commercial Property Financing Commercial real estate financing from $25,000 to $2 million (larger amounts considered), up to 80% of property value including fees and closing costs, with SBA 504, SBA 7A, and SBA Express programs available.
• Mortgage Refinancing Traditional refinance loans backed by Fannie Mae or Freddie Mac, with options to lower monthly payments or shorten loan terms.
• Energy Division - Petroleum Products Trading Oil and petroleum products trading including crude oil, fuel oils, diesel, jet fuel, LPG, and LNG, supported by long-term partnerships with national oil companies, oil majors, independent producers, and the largest refineries globally.
• Food Division (Buena Vista) - Food Commodities Trading International food and commodities trading of grains, feed ingredients, consumer food products, dairy, marine products, and raw materials for food and beverages, marketed under the Buena Vista sub-brand.
• Structured Trade Finance Customized leveraged lending solutions for transactions exceeding $100 million, serving governments, government banks, private banks, and private companies for recapitalization, restructuring, leveraged buyouts, refinancing, growth, working capital, M&A, and capital expenditures.
• Project Development Division Real estate development services providing construction project management, re-branding programs, and complete program management solutions for retail, restaurant, office building, and organizational projects in urban-infill markets.

Quantifiable outcome

• 90% of business based on repeat customers
• +2 more outcomes

Named customers4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Bank of AmericacoreChannel Partner/ Reseller/ DistributorBank of America financing guaranteed by the SBA may be right for your business. SBA 504 (suitable for commercial real estate loans of $350,000 and above), SBA 7A and SBA Express programs generally provide lower down payments and longer financing terms.
• Network of 20+ LenderscoreChannel Partner/ Reseller/ DistributorInternational Bankers Financial Group has created an extensive array of lending programs based on proprietary assets and on a network of more than 20 other lenders. This network enables the company to accommodate almost every financial need for its customers.
• Several Dozen National and International LenderscoreChannel Partner/ Reseller/ DistributorIBFG works with several dozen national and international lenders who provide financing to foreign nationals. This specialized network serves the complex mortgage niche for international borrowers.
• Oil Producers and National Oil CompaniescoreStrategic or Co-development PartnerIBFG has partnered with producers and has long term relationships with national oil companies as well as oil majors and independent producers. The Energy Division has relationships with the largest refineries in the world as well as an extensive network of buyers and sellers.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Related Group: Related Group is a major Miami-based real estate developer specializing in urban-infill, luxury condo, and mixed-use development. It is a regional peer to IBFG's Development Division, sharing the same South Florida market and similar urban-infill development thesis.

Direct peers

• Newfi Wholesale: Newfi Wholesale is a non-QM and foreign national mortgage wholesale platform that lends to brokers and correspondents. It competes with IBFG's mortgage brokerage model in the non-QM and foreign national space, particularly for borrowers with non-traditional income or immigration status.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and foreign national mortgage lender offering jumbo, bank statement, and foreign national loan products. It competes with IBFG in the same specialty lending niche serving international and self-employed borrowers seeking US real estate financing.
• Griffin Funding: Griffin Funding is a California-based mortgage lender that specializes in foreign national and non-QM loans, including jumbo and investment property financing for non-US citizens. It is a direct competitor to IBFG's foreign national mortgage programs with a similar customer profile and product offering.
• Citadel Servicing Corporation: Citadel Servicing Corporation is a specialty mortgage lender that provides non-QM, foreign national, and jumbo loan products. It is a direct competitor to IBFG in the foreign national and high-balance mortgage space with similar underwriting flexibility.

Broad incumbents

• Wells Fargo Home Mortgage: Wells Fargo Home Mortgage is one of the largest US mortgage originators offering conventional, jumbo, FHA, and foreign national products. It is a broad incumbent that competes with IBFG in jumbo and conventional lending while serving the same end-customer base.
• Cargill: Cargill is one of the world's largest agricultural commodity traders, dealing in grains, oilseeds, and food ingredients. It is a broad incumbent peer to IBFG's Buena Vista Food Division, operating globally in many of the same commodity categories (corn, soybeans, wheat, feed ingredients).
• Trafigura: Trafigura is a major global commodities trader dealing in crude oil, refined petroleum products, and bulk commodities. It is a broad incumbent peer to IBFG's Energy Division, competing in international oil and petroleum product trading with global refining relationships.
• Bank of America: Bank of America is a large US bank that partners with IBFG for SBA 504, 7A, and SBA Express financing programs. It is a broad incumbent that competes in commercial mortgage and structured finance at a national scale, while also being a key capital partner for IBFG's clients.
• IMC Financial Markets: IMC Financial Markets is a proprietary trading firm active across global financial markets including commodities and structured finance. It is a broad incumbent peer that shares exposure to commodity trading and structured credit markets, competing for talent and counterparties in the same space as IBFG's trading divisions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/internationalbankersgroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about International Bankers Financial Group