Equities First Holdings Sees a Growing Trend Among Borrowers Who Use Stock as Loan Collateral to Secure Working Capital

Equities First Holdings is a leader in the provision of alternative loans using stocks as the collateral. In the recent past where the economic crisis has slowly hit the world, the need for an alternative financial solution is growing. Therefore, Equities First Holdings presents itself as the next best way to secure fast working capital for your business. These loans are characterized by the non-recourse feature that lets you walk away from the loan without worrying about paying back. For this reason, they allow you to enjoy your investment. As a matter of fact, banks and other lending financial institutions have tightened their loan qualification criteria.

Due to the economic crisis hitting the world they have increased the loan interest rates and cut down their lending options. For this reason, most of their applicants will walk away without meeting their needs. This calls for another better financial solution to get the way. Equities First Holdings offers itself as the reliable financial solution that uses stocks as their collateral to issue loans. While many other large financial institutions allow you to get the stock-based loans, Equities First Holdings offers the best services as a private firm. The large banks like the JPMorgan Chase bank issue stock-based loans. However, they have many restrictions as a public company.

For borrowers who do not qualify for the credit-based loans and need fast working capital, Equities First Holdings has grown enough popularity to serve your needs. While there are numerous options for borrowers out there to secure money for themselves, the banks have cut down their lending criteria. There is an increased interest rate on the credit-based loans.

On the other hand, the stock-based loan allows you to enjoy minimum low-interest rates of up to four percent. For this reason, you will benefit from the proceeds of your loans. Whenever you fail to pay the loans, you can walk away from the loan without any further obligation to the lender. The stock-based loans offer a higher loan-to-value ratio.

During a three-year loan term, there is always inevitable market fluctuation. For this reason, the borrower must protect their stock values. However, the stock-based loans are here to protect you from because your investment risk is low. For this reason, you will keep the proceeds of the loan without remaining under the lender’s obligation. According to Al Christy, there are marked differences between stock-based loans and margin loans. Moreover, stock-based loans are better.

Reviewing Issues to Consider When Choosing Airbnb

Many owners of property want to rent part of the entire house to Airbnb but are not able to make a decision immediately because they do not have information that can help them understand the benefits of doing so.

Renting on Airbnb may appear an easy and fast way of making money, but the truth is there can be some unexpected drawbacks that may come with such a decision. Understanding all the issues that are likely to prevail is the first step to making a useful decision on whether to rent or not. Below are key considerations that weigh the issue to derive a useful decision.

Issues likely to arise
Having tenants comes with several responsibilities and risks that may threaten your business and its profitability. Having tenants means you immediately assume the liabilities for injuries to guests, theft, damage to the property of your neighbor, illegal activities and lawsuit that emanates from these actions. And sometimes the tenants may default payment.

Getting insurance cover
Most homeowner’s insurance doesn’t cover short-term rentals, so it is your personal duty to cater for any expenses incurred for having paid guests. This may prove too heavy to you if you have no elaborate plans to mitigate losses.

Seeking protection through Airbnb
This is a decision that you should make as an end resort when you have gone to the farthest extreme in other options. After looking at the issues highlighted, you can then make a decision on whether you would want to accept short-term guests or not. To make an accurate decision, it is advisable to engage an insurance or wealth management professional with industry experience like Richard Blair.

About Richard Blair
Richard Blair of Wealth Solutions is a focused company that has been established around offering investment advice and helping individuals make the right investment decisions. Richard Blair, a Finance graduate from University of Houston, boasts of more than 20 years offering wealth management and investment advisory services. Through his company Wealth Solutions, he has concentrated in helping people manage their wealth and come up with proper retirement plans.

Many of the businesses that have sought advice through Wealth Solutions have experienced growth and change in the first six months. Richard Blair is a professional with unique capabilities and experience that has been useful in drafting road maps for the execution of various ideas. He holds several certifications including the Certified Annuity Specialist (CAS), Estate and Trust Specialist™ (CES™) and Retirement Income Certified Professional certification. Learn more: https://www.brightscope.com/financial-planning/advisor/218993/Richard-Dwayne-Blair/