Category: Banking

Equities First: Innovative Alternatives to Funding

Equities First, www.equitiesfirst.com, was found in 2002, and its headquarters is located in Indianapolis, Indiana. They also have a satellite office in New York. This company specialize in capital allocation, alternative finance solutions, and financial services in which they provide lending services based on securities for individual investors and businesses. They offer loans based on the risk evaluation and future performance associated with bonds, treasuries, and stocks.

They have an unique approach to non-purpose funding that resulted in over 625 transactions so far that is worth over $1.4 billion, and their distinctive funding technique offers many of their clients better financing terms and a high loan to values of lower capital costs than many traditional financing alternatives offer. They offer capital against shares traded on public exchanges globally. And furthermore, Equities First has a global operational network of offices located in London, Hong Kong, Singapore, Sydney, Perth, and Bangkok.

In Recent News

During the summer of 2016, Equities First reported seeing a growing trend among borrowers using loan collateral for securing working capital. Since the lending options for borrowers are more reduced at a lot of banks due to increased interest rates and stricter loan qualifications, loans are being collateralize by stocks as an alternative of innovative borrowing for individuals pursuing working capital.

With these stock based loans, there is a higher loan to value ratio than the margin loans. These loans also provide a fixed interest rate, offering certainty throughout the transaction’s life cycle. Throughout a three year term of other loans, there will be market fluctuations. However, stock based loans offer a hedge because the borrower is reducing his/her risk of investment in a downside market.

Borrowers can expect a fixed interest rate around 3 to 4 percent with these stock based loans. Also, the loan to value ratios range from 50 to 75 percent. Other benefits of these loans include the fact that there is no restrictions on these loans, thus allowing the money to be used for any reason, and there is no recourse. This means that borrowers can exit the loan with no obligation even if the collateral value stock value has increased.

Conclusion

Equities First is the way to go in securing alternative financing with lesser risks. They specialize in capital allocation, alternative finance solutions, and financial services. And with over 625 transactions worth over $1.4 billion so far, they have proven to be a great benefit to their clients.

 

Global Lender Equities First Holdings Sees a Growing Trend Among Borrowers Who Use Stock as Loan Collateral to Secure Working Capital

Equities First Holdings is an alternative stock-based financial solution company. Equities First Holdings specializes in the issuance of alternative loans using stocks as collateral. For those who need fast working non-purpose capital, Equities First Holdings is one of the next best solutions to save you the hustle. For more than 10 years f experience, Equities First Holdings has given everyone a reason to consider them the best when it comes to alternative financial solutions. For this reason, their services have been gained on a massive scale. During this harsh economic climate, the company has gained traction in the issuance of stock-based and margin loans in the world.

Banks and other lending institutions that offer credit-based solutions have tightened their lending capabilities. For this reason, they have also increased the loan qualification criteria hiking up interest rates to scare away investors. Therefore, Equities First Holdings is one of the next best solutions for those who seek non-purpose capital. While there are numerous alternatives to source out loans in this current regime, banks have cut down their lending criteria. For those who need to raise first capital, the CEO and Founder of Equities First Holdings have seen the use of stock-based loans as one of the most innovative ways to save yourself the hustle. These loans are featured with their high loan-to-value ratio than the credit-based loans. These loans are also characterized with a fixed interest. They offer very low-interest rates. For this reason, you will have certainty throughout the life of the transaction.

During a two-year loan term, there is always inevitable market fluctuation. However, the stock-based loans are here to provide a working solution to your most impending needs. While you acquire this loan, your investment risk becomes low during the harsh economic times. According to the CEO and Founder of Equities First Holdings, most of the stock-based loans are featured with a non-recourse capability that allows you to walk away from the loan in case you fail to repay. For this reason, you will have no further obligation to the lender. Even when the stocks depreciate, you can walk away in peace and enjoy the proceeds of the loans.

According to the CEO and Founder of Equities First Holdings, some people don’t map out the difference between stock-based and margin loans. They consider the two autonomous. However, there are many marked differences between margin loans and stock-based loans. The stock-based loans offer the best financial solutions.

EQUITIES FIRST BRINGS INNOVATION IN THE LENDING INDUSTRY

The lending industry has experienced a hard time in the recent past. There have been several financial crises and numerous political challenges in the world. The financial institutions around the globe have been severely affected, and most of them have tightened their lending criteria to survive the harsh economic climate. Many people have also been unable to qualify for important loans because of lack of employment, low credit ratings and many other problems that affect the ability of an investor to borrow money.

There are, however, several financial institutions that have developed innovative ways to help the borrowers to access the crucial services. Equities First Holdings is one of these establishments who are working hard to change the lives of many investors and companies who need to raise capital for businesses.

Equities First was founded by Al Christy in 2002, and since then, it has been focusing on finding alternative and better approaches in the lending industry. The institution also offers its loans to individuals at a very low rate compared to the other lending firms around the globe. The borrowers who visit the company are allowed to access loans using bonds and stocks as their collateral. This means that the investors can use the available assets to acquire the funding they need. The stock secured loans from the institution have become very common in the modern times, and they have helped people achieve their dreams in business.

When borrowers visit most of the conventional lending firms in the world, they are supposed to meet all the qualifications so that they can access the loans. The financial history of the borrower is carefully scrutinized and also tested using particular criteria. However, with the loans offered by Equities First Holdings, this process is not needed. As long as the stocks used as collateral are publicly traded, the company provides the loans in a short duration of time. The lending company does not have to worry about the potential problems like trust that come up in money lending.

Equities First Holdings has been very successful in its operations, and this speaks volumes about its approach and lending procedures. The company has managed to open many branches in different parts of the globe. The money from the institution can be accessed by the customers very fast, and the rate does not change after a short time. Regardless of the circumstances facing an investor, the lending firm offers financial assistance as long as there are publicly traded bonds or stocks.

Mortgages for Dallas Area Low Income Families

Affordable home ownership for low income families will finally come to fruition in Southern Dallas, thanks to NexBank SSB. NexBank is a Dallas-based regional bank, and over the next five years, it will provide $50 million in loans to assist with the Affordable Housing Loan Program, a new program being offered by Dallas Neighborhood Homes and Dallas Area Habitat for Humanity.

The Affordable Housing Loan Program’s goal is to provide at least 100 loans to low income residents in certain areas of southern Dallas, which currently has one of the lowest rates of home ownership in the nation. By assisting low income families with mortgages for a home, some buying power is being shifted to the lower class, which in turn leads to greater neighborhood diversity.

Dallas Neighborhood Homes will use the proceeds from NexBank to offer loans to low-income homebuyers who typically will not qualify for a mortgage based on their income. Counseling will also be offered to help prepare these homebuyers for the process of purchasing a home, and the ongoing responsibility of having a mortgage. Additionally, NexBank has promised to pay the title fees for completed closings, plus up to $2,000 in closing costs for each loan.

NexBank Partners with Dallas Neighborhood Homes To Expand Affordable Home Ownership in Southern Dallas

Without NexBank’s assistance, many lower income families in southern Dallas would not have the opportunity to own their own home. NexBank is not only helping the homeowners, but also their children to have a sense of pride and a better future. Low income families rarely have the opportunity own a home and NexBank is helping pave a way for a bright future for these families.

NexBank SSB is part of NexBank Capital, Inc., a financial services company. It offers commercial banking, mortgage banking, and investment banking. NexBank caters to a multitude of clients throughout the United States, including large corporations, small businesses, and real estate investors. As of June 30, 2016, NexBank holds $3.5 billion in assets.

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