Go to member information
An HLN Corporation institution Member desk

Member banking
& ship finance

Member desk

Civitas Credit Cooperative / CCC-2956-01

Civitas Credit
Cooperative.

Member accounts and working-ship loans for HLN Corporation, HLN Group and active affiliates.

Member deskApply for a ship loan
The marble member counter and cloud-platform view from Civitas Charter Hall, Orison
Charter Hall, Orison
Prime reference3.25%Published annual benchmark; individual offers are reviewed.
Member share dividendDeclared separatelyNo guaranteed APY. Distributions need funded capital and independent approval.
Industrial ship finance2.25% referenceL-200 Tier II with a verified 25% output agreement. Your written offer sets the charge.
Phoenix recovery poolNo outstanding CEB claims0.00 HCC available; 0.00 CEB in recorded member claims.

A loan for a working ship

Bring the dealer quotation and tell us what the ship will earn. The lending office reviews each application and puts the full offer in writing.

View the ship catalogue

Golem purchase example

The dealer price is 1,005,480 aUEC at New Deal, Lorville. A standard 10% contribution is 100,548 aUEC; the remaining 904,932 aUEC is financed over 4 weekly payments.

At the published 4.50% annual reference rate, the estimated lending charge is 1,959 aUEC. The written offer confirms the total and every payment before you accept.

Read the rate sheet and assumptions

Your paperwork, before you borrow

Rates and fees current to 20 October 2956

L-100 / Pathfinder Entry Working Note
10% standard contribution; 2, 4, 6, 8 weeks. Annual reference rate: Tier 2 4.50%; Tier 3 3.00%.
L-200 / Workhorse Industrial Note
20% standard contribution; 4, 6, 8, 10, 12 weeks. Annual reference rate: Tier 2 3.75%; Tier 3 2.25%.
L-300 / Tactical & Escort Facility
25% standard contribution; 4, 6, 8, 10 weeks. Annual reference rate: Tier 2 6.25%; Tier 3 4.75%.
L-400 / Syndicate Capital & Flagship Lease
30% standard contribution; 8, 12, 16, 20, 24 weeks. Annual reference rate: Tier 2 5.00%; Tier 3 3.50%.

Treasury confirms your rate tier, any approved industrial agreement and the funds available. The reference rate does not create a loan or replace your accepted fixed charge.

Fees, rates and loan conditions

Accounts for your organization

Keep operating funds, project allocations and reserves separate. Named signatories prepare and approve payments under the account’s spending limits; an affiliation alone grants no access to its funds.

Network partners can use agreed project accounts. Chartered affiliates retain their own organization and appointments. Corporate subsidiaries use the same recorded signatory and financial controls. Account services do not create mandatory levies.

Institutional accounts and project finance
Cargo gantries and receiving berths at the VantaForge depot

From the hold to the receiving book

Helios sends ore. Coreline brings back recoverable stock. VantaForge specifies what the depot needs, and Quantum Freight arranges the carriage.

For a purchase of Laranite or Agricium, the order names the grade, price per Standard Cargo Unit (SCU) and receiving berth. Refined Quantanium is booked separately from unrefined ore; the receiving instruction must identify which is expected.

Civitas reserves the payment when Industrial Command issues the funded order. At the VantaForge Receiving Office, Everus Harbor, a receiving officer records the accepted SCU before payment is released to the supplier. The order may name another agreed depot.

Purchase orders and delivery checks

Lost funds claims

If held funds are lost or inaccessible, Phoenix keeps a record of the amount claimed. Open an enquiry with the transfer reference and the custodian named on your statement.

A cash claim uses HLN Custody Credits (HCC). A recorded recovery claim uses a separate Charter Equity Bond (CEB) balance. Repayment needs money in the recovery pool and a recorded Treasury approval.

File and follow a Phoenix claim

If the ship or the work is lost

A destroyed hull, expired insurance or interrupted contract does not cancel the loan. Tell the lending office before the next due date and ask for a repayment review. Phoenix payment suspension requires a recorded Treasury decision.

Civitas does not insure hulls or remotely repossess ships. Any CrimeStat restriction affecting your purchase or work belongs in the application.

Collateral, default and insurance

A member office along your route

Send the office an enquiry before an appointment or delivery.

Head office

Charter Hall

Cloudview Center, Orison

Membership records, ship lending and repayment appointments.

Member kiosk

Riker member desk

Riker Memorial Spaceport, Area18

Dealer quotations, statements and enquiries for ArcCorp crews.

Member kiosk

Teasa member desk

Teasa Spaceport, Lorville

Ship-finance paperwork and freight-crew accounts.

Industrial receiving

VantaForge Receiving Office

Everus Harbor, Hurston orbit

Booked consignments, SCU counts and purchase-order receipt checks.

Contact the member office