Advantages of Stock-Based Loans over Typical Loans

According to an article published on July 12th, 2016 by INDIANAPOLIS, IN, banks and other financial institutions have tightened lending criteria. Equities First Holdings is taking advantage of that situation by lending money to people who need to raise capital quickly as well as those who do not qualify for more conventional credit-based loans. Equities First Holdings is a firm that offers alternative shareholder financing solutions all over the world. It is the leading lender globally.

Even if these borrowers still have some options left, most banks have reduced lending options for borrowers, increased interest rates and have made loan qualifications tighter than before. The founder and CEO of EFH, Al Christy says that loans collateralized by stocks will be an innovative alternative for borrowers looking for working capital. Stock-based loans offer certainty to borrowers throughout their transaction life because they have fixed interest rates and a higher loan-to-value ratio as compared to margin loans.

Christy explains that a typical loan with a term of three years has market fluctuation, unlike a stock-based loan that offers a hedge since borrowers lower their investment risk in a downside market. According to Christy, stock-based loans have non-recourse feature, which allows borrowers to walk away from the loan anytime they want, even if the value of the stock depreciates. That means that the debtor can keep the proceeds from the initial loan without any further obligations to the lender.

Margin loans have variable interest rates, and they require the money to be used for given purposes. Note that the lender can liquidate borrower’s collateral without prior notice in the event of a margin call. Loan-to-value ratios are between 10 and 50%. However, stock-based loans have ratios of 50 to 75%. Stock-based loans do not have any restrictions so borrowers can use the money for any purpose. Their interest rates are also fixed.

About Equities First Holdings

Equities First Holdings, LLC was established in 2002. Since its establishment, Equities has been offering alternative financing solutions and supplying capital against publicly traded stocks.

Since its establishment, the lending company has completed close to 700 transactions globally. It serves global companies and high-net-worth people. The transactions are worth over $1.4 billion, with low fixed interest rates loans.

Visit http://www.equitiesfirst.com/ for further information.

Getting Benefits from Securus

For a lot of people who are behind bars, it can feel frustrating to keep in touch with loved ones because you simply do not know how to do this in a secure and beneficial manner. When I discovered Securus for the very first time, I knew that this was a technology that could benefit families all across the country who were dealing with individuals in prison. It is more than a little frustrating to deal with communication when someone is behind bars and Securus takes away this frustration and gives you better is when it comes to talking and video messaging with a loved one.

 

If you would like to learn more about Securus and how it works, you can visit its website to see about the technology and what it can do for you. If you feel it is time for better communication with a loved one behind bars, you are going to want to give Securus a try for yourself and see if this is going to help you keep in touch with that loved one with whom you have lost touch.

 

Lots of people have found Securus to be one of the top technologies in the industry and this is why they are using it for themselves and their loved ones. A lot of individuals have found Securus to also be quite affordable for their budget so this is also something that you will find to be great when trying to get a technology that truly works without it breaking the bank for you and your family.

 

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Adrian Jose Velasquez Figueroa: 10 facts

Panama is a country that links the continents of South and Central America. Apart from having original beaches, Panama has the most interesting features. Below is a summary of the most notable and interesting facts about Panama for Adrián José Velasquez Figueroa:

• The Panama Canal generates nearly a third of the country’s revenue by drawing people worldwide because it is a tourist destination. It is important to note that the robust economic activities dependent on the Panama Canal are the main source of revenue instead of tourism on Tumblr

• El Valle, which is one of the popular tourist destinations on webs.com, lies within the crater of an enormous volcano. Compared to the Panamanian lowlands El Valle is known to have a cooler atmosphere.

• Panama has the lowest fertility rate of an average of 2.6 children per woman, making it the least populated country in Central America.

• Panama uses the U.S dollar as the official currency due to the close economic relations between the two countries. Despite this, there are no U.S treasuries situated within the country therefore the currency is not minted.

• Panama used to be called the Republic of Gran Colombia.

• Panama is ranked among 25 countries in the world due to its bird diversity it is believed to have over 970 species of bird, more species than both the U.S and Canada.

• Panama has more than 2,490 kilometers of coastline. For a topographically small nation, 2,490 kilometers of coastline is a great accomplishment. Actually, Panama is known not probably the perfect shorelines in Central America

• Panama is the only capital in the world to have a rain forest situated inside its points of confinement. It is a popular tourist destination since it permits visitors to experience Panama’s landscape and the dynamic cosmopolitan society of Panama City.

• The Panama Railroad is the most expensive railway ever constructed. The railway runs parallel to the Panama Canal and was built at a cost of over $8 million.

Adrián José Velasquez Figueroa
Sr. Adrián José Velasquez Figueroa is an expert official initially from Venezuela; Sr. Adrián José Velasquez Figueroa presently holds three distinct positions including president treasurer and director of five organizations within Panamá.

Sr. Figueroa has been a noticeable individual from the Panamá business group, helping organizations to develop, coaching youthful leaders and enhancing the financial conditions.

Further Reading: https://adrianjosevelasquezfigueroa.withknown.com