Category: Finance

Equities First- AU Exists to Help Both High Net-Worth Individuals and Business Owners

Published / by CapaConf

Equities First- AU is a lending organization that is offering several solutions for their respective borrowers in which they are capable of obtaining loans with some of the most practical terms of paying them off and with the lowest rates of interest. Equities First- AU is well aware that the entities that they’re currently offering their loans for, which are high net-worth individuals and business owner, are preoccupied with their own circumstances, obligations, and goals. This is why Equities First Holdings is going to do everything that they can to take a look at each of their applicants’ situations on a case by case basis to see what they may be able to do to provide a loan that is most suitable for them.

Equities First- AU does not discriminate when providing their loans in any way. They simply look at the personal situations of the applicants to decide whether they qualify for any particular type of loan that they’re capable of providing. The applicant is capable of making special requests pertaining to their loans, such as interest rates and terms of paying off the loans. The contracts of loans specify what all is entailed with it. Please feel free to ask one of the organization’s loan specialists what you may be able to do to get the best deal on your particular loan. They are very flexible with the loans that they offer, as they may be willing to work on interest rates that are most accommodating to your very own capabilities of paying them off within any specified period of time Equities First- AU takes a look at each of their borrowers’ capabilities of paying off both loans and the interest rates on the loans. A loan specialist may be able to work on loan contracts that are suitable for you to work with.

Why you should choose Stock-Based Loans instead of Margin Loans

Published / by CapaConf

Equities First Holdings is an international leader and lender in alternative shareholder financing solutions. The company is experiencing more traction both in the margin and stock-based loans in an economic climate where financial institutions have tautened the lending rules. Not all borrowers who want to raise capital fast qualify for conventional credit-based loans. For this reason, many people opt to use the service of equity lending institutions, and this is making them gain popularity.

Even though some alternatives are still available for these people, many financial institutions have slashed their lending options to debtors, increased their interest rates and tightened loan qualifications. Usually, stock-based loans are characterized by a high loan-to-value ratio as compared to margin loans. The stock-based loans provide a fixed interest rate, offering certainty through the entire transaction.

Note that market fluctuation is unavoidable during the typical three-year loan duration, and you cannot do anything about that. However, the stock-based loans offer a hedge since the debtor is required to lower his or her investment risk when the market is on a downfall. Al Christy, Jr., founder of Equities First Holdings points out that the majority of stock-based loans come with a non-recourse feature. The feature allows a debtor to walk out from a stock loan at any point even if the value of the stock depreciates. With the stock-based loan, a borrower can keep the initial loan proceeds with no further obligation to the creditor.

As Christy points out, some people may think that margin loans and stock-based loans can be synonymous. Even though securities is used as collateral for the two forms of financing, they are entirely different. You need to be pre-qualified for you to get a margin loan, and the money you get must be used for a particular function. In most cases, the interest rate on margin loan varies, and one can expect loan-to-value ratios between 10-15 percent. On top of that, the lending company might decide to liquidate your collateral without warning in the event of a margin call.


About Equities First Holdings

Since Equities First Holdings was established, it has been providing alternative financial solutions to its customers. The company also supplies capital against traded stock to help the clients achieve their personal and professional goals. Currently, Equities First Holdings has completed over 650 transactions valued at 1.4 billion US dollars, giving customers a high loan to values at a minimum fixed interest rate. Equities First Holdings is an international firm with branches in nine countries. It has branches in Singapore, China, and Australia.

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