Higher Education Institutions are facing numerous challenges, all of which affect the bottom line and long-term stability of the institution. 

In addition to diminishing cash reserves, large amounts of long-term debt, increasing discount rates, and significant changes to the higher education landscape (e.g., online vs. on-campus programs), there is a projected long-term plateau in the number of high school graduates.

Quickly increase cash flow

Create an internal line of credit

Refinance existing loans

Build new facilities

Hire more staff and faculty

Launch new programs

Emerge has an exclusive partnership with Blackford Ventures to bring creative financing solutions t0 higher education institutions. 

Blackford Ventures is backed by several large banks including Goldman Sachs and Key Bank in the amount of $1 billion.

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The Lease-Leaseback Model

In the 1970s, Richard Welkowitz, a well-known entrepreneur and philanthropist, and a group of bankers developed the LLB business model to help public and private entities monetize their trapped equity without having to go to a bank for a loan, borrow against an endowment, relinquish ownership, or endure the costly, laborious, bureaucratic, and stringent bond issue process.

The Sale-Leaseback Model

A Sale-Leaseback resembles a hybrid debt product. The institution does not increase its debt load but gains access to capital through the sale of assets.  This transaction allows for the institution to concentrate on their primary business functions and invest/grow their organization in those areas that are central to their strategic plan.  Most of the fortune 1000 companies do not own their own real estate for this reason.

Higher Education Loan Program

Through Blackford and their financial partners, the institution is the beneficiary of a total funding solution. The proceeds of the agreement will be available to the institution to use as they see fit. The institution’s primary source of repayment will be to pledge a portion of their Federal Loan Proceeds – only equal to one year’s principal and interest payments based on the principal amount of the loan. The funding effectively emanates from the Federal Government, which drives the costs down since the government currently enjoys an AA+ S&P rating.

Lease-Leaseback Case Study

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HELP Collateral Pledge

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HELP Transaction Process

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Blackford Ventures, LLC is a private, equity firm based in Lancaster County, Pennsylvania that invests in successful, growth-oriented businesses that desire to maximize market potential.

Blackford also provides private and public entities with access to capital and has partnered with Emerge Education, LLC to provide the same level
of business excellence and financial opportunity to higher education institutions.

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To learn how Emerge Education can unlock your assets and position your institution for success – now and for the future.

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Holistic Risk Management

Risk Cooperative provides organizations holistic risk management, helping them to mitigate against all classes of risk.

Leveraging this enterprise-wide risk analysis, Emerge Education has partnered with Risk Cooperative and Ridge Global to provide institutions with access to a suite of insurance programs and solutions that will reduce their operational risk, provide them with economies of scale, and create added value.

Cyber Insurance

One of the newest threats facing academic institutions are cyberattacks. Our solution leverages state-of-the-art technology, breach response teams, coupled with education to provide robust insurance to properly reduce exposures and build up cybersecurity.

Physical Security

The risk landscape has changed for schools, with the rise of mass shootings and terrorist attacks. Organizations must look  to proactive solutions to mitigate potential attacks and offset the financial liability. The Physical Security program brings together the best in risk management and crisis response firms, coupled with broad coverage insurance to provide firms comprehensive protection.

Tuition Protection

Education in the U.S. is growing less attainable for the majority of Americans. This is compounded when students face unexpected tragedies such as illness or death of a family member. Tuition Protection is designed to help students continue their education against these perils. It provides reimbursement of tuition expenses, as well as funds to finish their education for up to four semesters.

Flight Response

More and more institutions are promoting travel abroad programs, but are woefully under protected for the risks they represent. The Flight Response program goes beyond traditional emergency evacuation and travel plans, consolidating the needed coverages into a single policy including K&R, Emergency Medical, evacuation from political unrest and riots, as well as natural disasters.

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To learn more about partnering with Emerge Education to mitigate risk for your students and institution.

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Unlike natural disasters or other events that can disrupt your business, cyber-attacks occur every minute of every day in every industry. While the threat cannot be eliminated, Ridge Global can help you aggressively evaluate and manage your risk. We continually evaluate emerging tools to address evolving threats so you can be assured that you have access to the best and latest solutions.

Ridge Global was founded by Tom Ridge, the first U.S. Secretary of Homeland Security and 43rd Governor of Pennsylvania, to help organizations decrease security risks. He has assembled a team of globally recognized experts who offer clients strategic counsel on identifying, preparing for, and mitigating risk.

Risk Cooperative is a specialized strategy, risk, and advisory firm helping organizations to better manage risk, and limit their exposures. Operating on a global scale, Risk Cooperative works hand-in-hand with organizations to identify, mitigate, and reduce the key exposures that would otherwise derail their operations.

As an extension of the client’s team we are able to address all classes of risks and insurance placements. Where a need arises that is otherwise unaddressed by the current set of available insurance solutions, Risk Cooperative is able to custom-design bespoke solutions.

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With Emerge as your OPM partner, you can expect unparalleled commitment and proven strategies to increase enrollments and long-term revenue for your online programs.

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With Emerge as your OPM partner, you can expect unparralled commitment and proven strategies to increase enrollments and long-term revenue for your online programs.

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Following a proven, proactive, and prevention-based approach, find out how we can deliver personalized, retention-focused support to each and every one of your online students.

 

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Any marketing firm can generate more leads. The key in online higher education is to generate high-quality, low-cost leads.

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Learn how to enhance your online presence and generate more qualified leads that result in increased enrollment for both undergraduate and graduate programs.

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For less than the cost of a textbook, learn how you can be assured your students will succeed not only in the classroom but in life after graduation!

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