CategoryFinancial Firm

How You Can Benefit From Embracing Equities First South Africa

Equities First South Africa is one among the subsidiaries of Equities First Holdings, which was founded in 2002 and is headquartered in Indianapolis. The company runs several other subsidiaries across the world and with a growing need for stock based lending options, it has managed to help many individuals to get their businesses moving. In South Africa, Equities First has been working with people looking for quick solutions to their financial problems and particularly those who want to supplement funding for their struggling businesses. Everyone with a good plan can benefit from the services the company offers.

One of the reasons Equities First was motivated to venture into a lending option that dwells on stocks as collateral is because conventional options of lending have proved unreliable and most of them demand a lot to be attached to the application, which is against the abilities of many of those who go for lending options. Many applicants want to supplement their loans and others are after reliable options that can help them to run successful businesses. However, getting the right source of lending without collateral’s is one challenge that forces many people to keep their ideas idle.

However, since Equities First came to the picture, many South African small businesses have benefited from the support this company has been offering. All one needs is proof of stocks in publicly traded companies and they are allowed to attach that as their collateral. With a great platform that allows lending to take place seamlessly, many have been getting support to run their businesses and to establish themselves in trade. Equities First Holdings has been growing in popularity and more people have joined the company to benefit from the services it offers to its various customers.

About Equities First Holdings

Equities First Holdings is a company based in Indianapolis that deals with equity-based lending options. Since inception in 2002, the company has managed to offer over $1.4 billion to users based in different parts of the world. They expanded their network by entering into other nations like South Africa and Australia. With a wide reach across the world, Equities First Holdings has developed a great system that allows borrowers to enjoy simple terms of repayment that don’t put them to the test of having to go through the complex processes of getting credit through conventional banks. No need for assets as collateral’s since the loans are attached to publicly traded stocks.

Stock-Based Loans with Equities First Holding

Since the economic meltdown of the 2006-2006, many changes have been implemented in the financial industry. This changes, on the other hand, has had tremendous effects on the normal person. People, on the other hand, have come up with ways of adapting. The restriction of borrowing of funds by financial institutions and lending institutions have led people to turn to stock-based loans. Stock-based loans have become popular for those people that cannot qualify for the credit based loans or those people who need quick cash for their ventures. Banks have made it difficult to acquire loans by tightening loan qualifications and at the same time increasing interest rates. A company called Equity First Holding has decided to come to the rescue of these people by offering Stock-based loans which have several differences with margin-based loans.

Equity First Holding uses stocks as collateral for the loan and releases them upon the maturation of the transaction. Equity First Holding is based in Indianapolis, Indiana and was founded by Al Christy. His main aim when establishing this company was to offer higher loans to needy people at a lower interest rate. Over the years, the Equity First Holding has managed to conduct approximately six hundred and fifty transactions that are worth over $1.4 billion. Equity First Holding has subsidiaries in other parts of the Globe Such as London, Singapore, Australia and Hong Kong.

According to Equity First Holding, Stock-based loans are better compared to margin-based loans for several reasons. You can use stock-based loans for any particular purpose that pleases you. On the other hand, margin loans must be used for the purpose of which the money was borrowed for. Another difference between stock-based loan and margin loan is that one has a fixed interest rate while the other has an interest rate that varies.

This is unlike the past where unscrupulous lenders could refuse to return stocks upon the end of the transaction Equity First Holding is built on a code of integrity as well as a code of transparency. The company has a mission of offering the best services to their clients at a minimum risk and at the same time helping clients meet their financial targets.

Equities First Holdings Observes a Growing Trend of People Using Stock as Collateral to Get Loans

Equities First Holdings is a worldwide leader that leads in alternate shareholder financing options is experiencing an increase in stock-based and margin loans. This is majorly due to the banks and other institutions involved in the lending of money tightening their lending criteria. Equities First lending is fast becoming popular especially among borrowers who need capital fast or those who cannot qualify for substantial conventional loans. As much as there are other options available for such individuals, of late most banks have cut the lending options available for borrowers, increased their interest rates and tightened the loan qualifications.

These two types of loans are different in that a borrower ought to be pre-qualified for a margin loan and the money should be used in a specific way. The loan-to-value ratios range from 10% – 50% and the lending firm can liquidate a borrower’s collateral without any form of warning in a margin call. Stock-based loans have an interest rate of between 3-4%. Loan-to-value ratios from 50-75% and money can be used for various purposes. These loans are non-recourse therefore borrowers are able to walk away without obligations.
About Equities First Holdings, LLC

It was founded in 2002 and provides clients with capital against stock that is publicly traded and alternative financing way out to help them achieve their professional and personal goals. It provides capital against public exchanges shares all over the world. EFH has so far completed over 650 transactions worth over $1.4 billion. It is a global company that is present in nine countries and subsidiaries that are fully owned in London, Hong Kong, Singapore and Australia. They are denoted for example as Equities First (London) Limited.

The founder and CEO of EFH, Al Christy, Jr., view the stocks-collateralized loans as an innovative alternative for borrowers looking for working capital. The stock-based loans have a high loan-to-value ratio than the margin loans and are offered at a fixed interest rate. This provides certainty in the life of the transaction. Christy notes that in a loan term of three years, fluctuation in the market is inevitable but the stock-based loan will offer a hedge as the borrower risks their investment in a market that is downside.

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Public Hero No. 1 Sanjay Shah

When a person hears ‘a rags to riches’ story, the person often thinks of American ingenuity in the land of opportunity; the United States of America. This story however, is about a man born in Kenya, but who moved to the United Kingdom as a little boy, and later went on to create his own brokerage firm that would make him millions of dollars. Sanjay Shah, is the founder and CEO of Solo Capital Partners and Autism Rocks. Autism Rocks a charitable organization devoted to working on funding research for the condition and raising public awareness about it.

As reports, Shah originally wanted a career in medicine, but after trying it for a few years, he left the field of medicine and never returned. Eventually, Shah became an accountant in a North London bank. Again, feeling dissatisfied with his career, he planned to leave the profession of accounting. Rather than quitting, the financial crisis of 2008 compelled the North London bank where Shah worked to let employees go in order to stay afloat in business. Shah was one of the employees who was let go from the bank.

It was after this moment, Shah permanently left accounting and decided to rent a small room in the outskirts of London. The small room served as his office and would become later the brokerage firm Solo Capital Partners (the brokerage firm was incorporated in September 2011). The success from Solo Capital Partners enables Shah to own several different companies and multiple offices. In addition to his business achievements, Shah also founded Autism Rocks as a result from one of his sons being diagnosed with the condition.

Working with musicians and singers from around the world to help organize shows for raising funds to go into autism research, Shah continues to show his devotion to bring awareness about the condition to the public. Sanjay Shah is 43 years old and a multimillionaire who has shown his true character and success in his life story.

Shah is truly an example of public inspiration.


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