Equities First Holdings, LLC (EFH) is a small, privately held company located in Indianapolis, Indiana. The company was founded in 2002, by a West Virginia native, Al Christy. This company has a new and unique attitude towards its securities based lending services for businesses and individual investors seeking non-purpose capital. EFH provides loans based on its own company evaluation of risk. This risk is then calculated with future associated performances with the stocks, treasuries, and the bonds involved.
Christy refers to his company as a private equity firm that isn’t held by the same boundaries as other firms. His clients are both institutional and retail investors who, at times, may need a loan for any myriad of reasons. The economic world only benefits from alternative sources of capital. “EFH’s innovative lending process has proven successful through nearly seven hundred transactions, and is an attractive alternative to a costly traditional loan or a margin loan. The Equities First model allows a stock-based loan with low interest rates, a high loan-to-value (LTV) ratio of 60% to 80%, and downside protection from a volatile stock market”, stated Christy.
Thousands of independent trial and errors have provided Christy with a special recipe. This new formula is the secret sauce of the company. He became a leader using his own liquidity by brokering transactions utilizing his new method. EFH offers lower interest rates and higher loan values than others. Two more interesting ways of doing business at EFH are the following: When stocks performs well and are worth more than at the time of the original loan, Mr. Christy will refund the entire amount and include the profit; but if it should below 80 percent of its value, borrowers can pay the difference, thereby getting out of the loan or simply walk away.
http://www.equitiesfirst.com/contact for more.
When it comes to the overall economy one of the fields that has a significant impact on it is investment banking. This is a field where large firms known as investment banks help a number of companies find ways to raise capital, issue new stock and also merge or acquire other ones. Therefore investment banking has a very positive and considerable impact on the business world as well as economic events. In investment banking a number of things can be achieved such as helping companies expand, offer more products and services, retain or create jobs and also help companies avoid going bankrupt. Therefore investment banking is one of the more beneficial fields in terms of helping make the economy better.
Investment banking consists of a number of departments and positions that lead to completing deals and serving clients. The most common department is corporate finance which involves analysis and merger and acquisitions. In this department there are professionals such as analysts to go over numerical data, associates who supervise analysts and meet with clients, and vice presidents who actually meet with clients and complete the deals. Another key department is research which entails a finance professional who gathers a lot of information about industry and economic trends. This professional will then relay the information to the analysts, associates, vice presidents and managing director. Lastly there is the sales and trading department which has traders who buy and sell securities for clients.
As well as there being large investment banking firms that work with major companies, there are others that are small and work with individuals. One of these types of firms is managed by an individual named Martin Lustgarten. He is currently the founder and chief executive officer of his finance firm and helps a number of clients such as businesses and individuals. Martin works with small to medium sized businesses and helps them get the capital they need to start up or expand. Lustgarten also helps these clients out by giving them advice on how to best manage their finances .
One of the most significant parts of Lustgarten’s firm is working with individuals. Martin spends much of his time helping people find ways to reach their financial goals. On a regular basis he will advise them on what to invest in as well as how they can save up for things such as retirement. He spends a lot of time researching market trends and investment options so that he can recommend some of the best ones available to his clients. With his assistance, Martin is able to help a number of individuals best allocate their financial resources and establish financial security for the future.