Equities First Holdings, LLC was founded in 2002 in Indianapolis, Indiana. The company provides loans that are guaranteed by using stocks, bonds, and treasuries owned by the company or individual requesting the loan and are used as collateral for the loan.Equities First Holdings has its main office in Indianapolis, Indiana but provides services and operations around the globe staffed by competent individuals who are experts in the fields of stock analysis and bond valuation.
Businesses constantly have a need for capital for expansion and for the purchase of new equipment. A business that is not growing will find itself loosing ground to the competition.
The perfect candidate for Equities First is a business owner with a substantial securities portfolio who is in need of a loan for business or personal use. While banks hesitate to use securities as collateral, the sharp minds at Equities First realized that they could fill a vacuum and create a niche market. The company targeted their clients within the category of high net worth individuals and business executives with substantial portfolios who were seeking loans. Their idea took form and exceeded expectations as they developed their market concept around the world.Al Christy Jr. serves as President of the company he founded in 2002.
Christy has become a leading authority in long-term planning, resource allocation and proven himself a leading authority in the areas of long-term planning, cash-flow strategy, and resource allocation. He has drawn from his winning athletic background in creating a forward thinking and successful loan organization. For more about Al Christy Jr. see a great article: https://www.morganlewis.com/news/pr_efhacquiresmeridianequity_25sept14
Leader lender and financing solutions provider, Equities First US has the financing solutions for borrowers who are seeking capital or rejected by conventional loan providers. After the 2008 mortgage crisis that resulted in stricter federal lending regulations, lenders have implemented tighter restrictions to qualify for loans. Equities First is offering an alternative solution using stock as the source of collateral to secure working or personal capital. It’s an innovative alternative for borrowing today and offered with a fixed interest rate to provide certainty of the transaction’s life. This type of loan has its benefits for borrowers, including hedging to keep investment risks at its lowest and a non-recourse action.
Al Christy, President and Founder of Equities First US established the company in 2002, in Indianapolis, Indiana and has expanded global. The firm has a New York City satellite office and office locations in Singapore, Hong Kong, London, Bangkok, Perth, and Sydney. For 15 years, Equities First is providing securities collateral lending services to net-worth individuals, global corporations’ executives, and companies. Between 2013 and 2016, its yearly growth was more than 30 percent, closing approximately 625 loan transactions valued at more than $1 billion.
Equities First US alternative shareholder financing solutions includes margin loans and stock-based loans. Both loan types require securities for collateral, but have different characteristics. Stock-based loans are offered with a fixed interest rate, whereas, and margin loans use variable interest rates.Because stock-based loans are non-recourse, the borrower can walk away from the stock loan and keep the initial loan proceeds without further obligations. Margin loans and conventional bank loan have similar characteristics; such as pre-qualification requirements and restrictions on how the lending capital can be used. If there’s a margin call, the lender can liquidate the collateral of the borrower without forewarn notice.
Equities First Holdings is one of the companies using stocks to issue fast working loans to their clients. For this service, Equities First Holdings has gained popularity as one of the most innovative companies issuing the stock-based loan. As a matter of fact, Equities First Holdings has realized that there is an increased adoption in the use of stocks as collateral to issue fast working capital during an era of harsh economic crisis. Due to the trust, all the people doing business with the company have with the people, it has gained many trust in the region to make it one of the most innovative companies in the world.
Equities First Holdings has announced a double-digit growth to individuals and double-digit clients during the 2013 season of growth and innovation. For the company, nothing delights their business venture than to gain traction on a massive scale during the harsh economic crisis. During this time, banks and other credit-based companies tighten their lending capabilities as a way of securing fast working capital. For this reason, the company has seen more people coming to take the loans while leaving behind their stocks as collateral. The non-recourse feature also characterizes the stock-based loans. According to Equities First Holdings, this feature lets the borrower disengage his lending capabilities from the issuer of the loan and walk away without paying anything. For his reason, they will liquidate his collateral to secure money.
The company has also strategist its business by working with Meridian Equity Partners Company. This is a London-based investment company with global strategies. For the company to set foot in the region, it must eliminate all its competitors through acquisition. Since Meridian Equity Partners are the only competitor, it decided to acquire the company and rename it with its brand. The company went on to open offices in Sydney, London, Hong Kong, Bangkok, Singapore, Jakarta, and Australia. Because of these offices, it doubled its workforce by over 50 percent.For the company, they have realized that more than 70 percent of all their loans come from international parties and businesses. For this reason, their investment was validated through this strategic move.