In recent years, it has become quite difficult to acquire a loan using the traditional method that uses a credit score. If one is a first-time borrower, it is automatically harder to get a bigger sum of money. Most banks and lenders consider such customers to have high risks. Besides, most banks have redrafted their terms and conditions with increased the interest rates and required qualifications. However, it is not impossible to get money through alternative means. Margin loans and stock-based loans have rapidly gained popularity for their affordability. One such company that has recorded a rise in those transactions is Equities First Holdings, in the United Kingdom and more information click here.

The chief executive officer of Equities, Al Christy Jr., stated that the firm has transacted more stock-based loans in recent years since the method is a genius way to cater to customers who do not have the required credentials for credit-based loans. Christy explained that Equities’ stock-based loans have a high loan-to-value ratio of 50-75 percent, and a fixed interest rate of three to four in percentage. In the case where a client decides to abandon the transaction midway, further responsibilities by the customer are put to halt. Stock-based loans allow the borrower to retain the loan’s profits even if the collateral stock depreciates. Unlike a margin loan, the stock-based one does not restrict one to use the money in an endeavor specified by the lender and what Equities First knows.

Equities First Holdings specializes in processing alternative loans by using a customer’s stock as collateral. The international firm has branches in four nations and is open to using publicly-traded stock from anywhere in the world. Equities values its customers and maintains integrity in all transactions as is evident in all the 650 deals it has transacted since its establishment. During every procession, Equities employed legal professionals to provide advisory and returned the customers’ collateral. Al Christy stated that his firm has the dedication to give clients excellent services at affordable rates and Equities First’s lacrosse camp.

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