Category Archives: Bank

Equities First Customers Using Stocks To Secure Loans

Equities First Holdings is an overall loaning association that offers different financing solutions to customers. Throughout the previous couple of years, lion’s share of clients used to settle on conventional strategies for getting loans as a method for raising additional capital. However, the cases have bit by bit changed accordingly due to monetary difficulties whereby the financial foundations have made the lending rules tough. Powerlessness to meet all prerequisites for the customary strategy for getting loans has forced many borrowers to seek optional lending services such as stock loans where stock is used as collateral.

Another variable that has expanded the quantity of clients looking for stock-based loans is the expanding of the financing costs by banks. Additionally, high financing costs have made it difficult to apply for such loans. In that way, most customers have considered using stocks as a suitable alternative. Al Christy Jr., the affiliation’s CEO credits this kind of assurance as a result of its different benefits.Stock based loans are valuable especially in the midst of harsh financial environments and fluctuating markets. Besides, such a method has a non-plan of activity stipulation that exempts clients from installment payment when the stock’s value goes down. The customer finds the opportunity to retain the loan gotten without paying back while the firm holds their stock.

However, to get a margin loan, borrowers ought to be qualified and the acquired cash should be used for specific purposes. Likewise loaning rates are not settled and the proportion of loan-to-value changes in the scope of 10 to 50 percent. Additionally, the financial association can audit the security offered without notification.Nonetheless, stock based loans accompany a financing expense of 4% or less while the loan-to-value ratio ranges between 50 and 75 percent. All the more basically, the borrowed cash can be used for various reasons and there are no constraints set on the loan. Borrowers are not obliged to pay if the stock value deteriorates. All such benefits is what Equities First customers have been reaping.

Why You Need Equities First’s Number In Your Phone

To be able to react to the curve balls in business, you need to have access to funding at all times. The availability of funding fluctuates with both the economic and political climates. It can be hard for companies or individuals to get direct funding from traditional sources if they don’t have traditional collateral or if they are in a down cycle of their market.This can require alternative sources of financing, and this is where Equities First’s services can fill the need. Equities First provides funding for individual and businesses, using securities as the collateral for the money. They base the loan on the valuation of stocks, bonds, and other financial instruments provided as collateral. During the time they hold the collateral, they also collect any earnings or profits.

The Benefits of Equities First

Traditional avenues of funding, such as banks, have been getting stricter with who they lend to and how much they fund. Equities First offers a way for borrowers to get a loan without having to liquidate their securities portfolio. Unfunded start-ups, farmers, and other businesses in need of cash have benefited from this alternative form of funding.

So, Who Is Equities First?

Al Christy, Jr., the President and CEO of Equities First, started the company in 2002. In over 14 years of service, they have complete over 600 transactions. The company has funded more than $1.4 billion with fixed interest rates and high loan-to-value ratios. The company is headquartered in Indianapolis and has subsidiaries in London, Hong Kong, Singapore, and Austrailia.

The Major Benefits Of Applying For A Stock-Based Loan With Equities First Holdings

In 2016, Equities First Holdings recorded more business transactions across the world. The global lending firm saw more traction in stock-based loans and margin loans in a market where most banks and financial institutions have a higher requirement for loan borrowers. Equities has a specialty in providing clients with credit based loans that consumers can use to finance any venture of choice. Al Christy, the chief executive officer of Equities First, stated that his firm’s stock-collateralize loan process was an innovative scheme for persons seeking business capitals.

Equities’ stock-based loans have a much higher loan to value ratio than the typical margin loans. Another significant advantage of the option is the fixed interest rate which provides certainty to clients throughout the business transaction process. Equities stock-based loans have a fixed interest rate of about 50 to 75 percent and are non-recourse in nature, hence can be used for any purpose.

Al Christy noted that Equities loan procedure eliminated the effects of market fluctuation that a typical three-year loan term experiences. Stock-based loans allow a borrower to lower the investment risk that may occur during a downside market period. In the case of market fluctuations, the borrower has the right to drop a stock loan transaction at any time while keeping the initial loan without any future obligations. Al Christy stated that most borrowers have traditionally preferred margin based loans because most lenders leave borrower’s collaterals in the public stock. He assured customers that Equities has a strict code of integrity and proven transparency that relies on leading legal, trading and regulatory institutions to provide quality services and products. Equities aim is to provide maximum benefits to clients seeking to meet personal and professional goals with minimum risks. Equities firm has processed over 650 transactions to date and has international branches in nine countries.

Equities First Holdings: Specializing In Stock Based Loans

For more than one decade of experience in the financial market, Equities First Holdings has worked to become one of the greatest companies in the world in the financial sector. For Equities First Holdings, they engage in issuing loans using stocks as collateral. For this reason, the company works to develop other working permits to harvest most of the related composition matters. Equities First Holdings is also considered as one of the fastest growing companies based in the United States. Because they keep winning the trust of the people, Equities First Holdings has made itself an empire in the production of the stock-based loans over the use of credit-based loans during an economic crisis.

No one can deny that the country is not in a financial crisis. As a matter of fact, a repeat of what happened to the financial world in 2008 is about to take place. Moreover, the situation will only grow worse by the exit of the United Kingdom from the European Union. During an economic crisis, the market fluctuation is always inevitable especially to the world if finance and credit loans. Moreover, the stocks are always fluctuating greatly during this period. For this reason, there is only one company which keeps on surviving the wrath of the economic crisis. Equities First Holdings has been adopted as one of the best companies issuing fast working capital using stocks as collateral.

The non-purpose feature characterizes the stock-based loans. For this feature in the stock-based loans, you are not required to say the intention or intended use of the loan to get a qualification. However, you are only required to come with a better solution towards a better working of the company. Another feature of this loan is the non-recourse character which allows the loan user to escape paying the loan in a way which disengages them from the lender.

Getting a Personal Loan through Equities First

Over the past 10 years, the turbulent international economy has had an impact on many industries and other financial considerations. One area in which it it has had a very significant impact, is in the field of consumer lending. The turbulent economy, and tightened credit standards, have made it very difficult for the average consumer to obtain personal loans.

For consumers that are looking for a personal loan, but are not able to obtain one from a bank, another option may be to take out a stop secured loan. One leading provider of stock secured loans is Equities First, which is an international specialty finance firm.When taking out a stock secured loan, the lender will take a security position in a stock portfolio that is pledged at loan closing. In the event that the loan payments go into default, the lender will then have the option to liquidate the stock to pay off the outstanding balance. This provides the lender with an excellent source of liquid collateral, which allows the lender to provide low interest rates and fees even compared to bank that.

While there are advantages of stock secured loans for lenders, there are also advantages for consumers. The main advantage is that it allows in consumer to access liquidity without having to actually sell their stock. Depending on your personal situation, this can have significant tax and investment strategy advantages. It is particularly ideal if you have not owned a stack for a long period of time and selling for a gain would lead to a significantly higher tax rate. Furthermore, if you think the stock will increase in value in the coming years, it would make far more sense to hold the stock for a little bit longer and borrow against it instead of selling it.

 

The Importance of Investment Banking in Today’s Business World

Investment banking is a special banking operation whose role is to help organizations and individuals to raise venture capital. In addition, financial consultancy services are provided by these institutions to ensure that investments made have a high potential for profit. Investment banks similarly act as a bridge that connects investors to security issuers whenever private firms go public. They may either purchase the available shares and resell them, or sell the shares for the issuer. Either way, they receive a commission.
Investment banking has greatly evolved over the years. However, it remains one of the most intricate financial mechanisms. These institutions provide a wide array of financial services. These may include proprietary trading, mergers and acquisitions, and leverage financing. There are institutions that are involved in business restructuring in a bid to make business operations more efficient. When it comes to mergers and acquisition transactions, investment banks advice sellers and buyers on matters related to negotiation, business valuation, structuring of transactions, and pricing.

 

In the past, investment banks were barred from offering commercial and retail banking services. With the abolishment of the Glass-Steagall act in 1999, these institutions were allowed to offer these services. “Back office” roles of investment banks include financial control, risk management, corporate treasury, compliance, corporate strategy, and operations and technology. These services are considered to bear a high degree of financial risk.

 

About Martin Lustgarten

Mr. Lustgarten ranks among the most successful entrepreneurs in America. The Florida native has worked in the money markets for more than twenty years, all of which have been successful. His firm, Lustgarten Martin is a prolific investment bank in Miami. He is the firm’s Chief Executive Officer. Martin’s connections have helped established the firm as the go-to investment bank in the US.

 

Martin’s success has greatly been reliant on diversification. He believes that this is the best way to prevent severe losses in the event of market upheavals. He has diverse commercial interests in countries such as Hong Kong, Panama, Singapore, and Venezuela. Martin also offers sound financial advice through his social media pages, where he has a solid following. Being a lover of vintage items such as cars and watches, he collects, reconditions and sells them.