Equity First Holdings: A Lender with a Difference

In the midst of worries of potential worldwide financial problems, banks and most other financial establishments are tightening their regulations on borrowing. In addition to the fact that it is harder to secure the loan, it is even more costly because of the high financing costs and minimal low loan-to-value proportions. However, regardless of the doubt, Equity First Holdings is quickly turning into a main world lender.

Equity First Holdings was established in 2002 to lend to its customers using stocks as security in U.K. Throughout the years, it has extended to traverse in nine nations around the world, including Singapore, Australia, and Hong Kong among others. EFH has been developing in fame with borrowers and to date, it has recorded more than 650 exchanges worth more than $1.4 billion.

Stock-Based Lending

It is quicker and easier to have the access of working loans if you stocks as security. EFH’s primary criteria when loaning out loans is assessing the present and probably future estimation of the customer’s stocks. In that capacity, necessities for capability are not the same number or difficult as those of other lenders and banks. Equity First Holdings is extraordinary within its lending services due to the following factors:

Interest rates are fixed

Equity First it’s familiar with its clients for fixed rates of interests on loans. The financial costs are additionally welcoming as they range between 3 and 4 percent. For customers, this brings the feeling of steadiness all through the reimbursement time frame despite of the economic fluctuations. More so, Equity First provides larger loan-to-value ratios as compared to other financial lenders. The proportion at present stands at 50 to 75 percent contrasted with banks’ proportions that range between 10 to 50 percent.

Non-purpose loans

Ordinarily, a loan is binding and liberating. You acquire respite from the financial challenges, yet you are bound with scheduled installments until the hanging arrears are cleared which is not the case with EFH.

Sam Tabar Provides Investment Advice For The Everyman

As reported by PR Newswire, investment professional Sam Tabar recently provided investors with his advice when saving for retirement. Tabar obtained a Master’s degree in Law from Columbia University and presently works as a capital strategist and Partner at FullCycleFund.

Tabar warns people to not invest in commodities such as gold or oil. Investing in commodities has more risks than putting money into mutual funds. As they are more volatile than stock markets they should only be traded by professional who have the time, training, and background in navigating commodity investments. He also brings up investing in a private business as a good option. In particular creating a social startup can help the investor while also helping customers. He brings up a company called THINX which produces women’s undergarments, and for every pair sold they donate seven sanitary cloth pads to the African charity AFRIpads.

The most important thing to keep in mind, he says, is to always have a properly diversified portfolio. It’s important to avoid the latest fads or to go chasing returns because it can bite you in the end if you put too much of your money into too few investments. It’s better to own a wide array of stocks and bonds so that you’re not too reliant on any particular one. He also points out that the best time to invest is right now because when you’re older you don’t want to be in the position of wishing you had started earlier.

Tabar started out his professional career as an attorney at Skadden, Arps, Slate, Meagher & Flom LLP & Associates. After six years he took a position as Managing Director at Sparx Group/PMA and then a Director at Merrill Lynch where he was the Head of Capital Strategy. He started with FullCycleFund in 2014 and lives in the Greater New York City area. Among his responsibilities at the financial firm are analyzing and deciding on investment decisions, creating marketing plans, and raising capital. He also oversees compliance on accounting, administration, legal, and tax issues.