With its headquarters in Indianapolis, Indiana, Equities First Holdings LLC was founded in 2002. Since then, the company has been offering alternative financing solutions to their clients. It supplies capital against the publicly traded shares to enable their clients to meet both personal as well as professional goals. To-date, EFH has done over 650 transactions, offering customers loans at low-interest rates.

EFH is an international company. It has offices in nine countries including London, Hong Kong, Indianapolis, Singapore, Sydney, Bangkok, and Perth.

Their loans are based on their evaluation of risks as well as the future performance of bonds, stocks, and treasuries on the market.

Equities First Holdings record a growing trend among stock-based loan borrowers

Equities First Holdings- a global leader and lender in alternative financing solutions has witnessed increased traction in stock-based and margin loans in an economic environment where lending criteria has been made tighter in banks and other institutions. Equities First Holdings is quickly gaining popularity as a possible alternative for borrowers who need quick capital or those who do not meet the qualifications for a more conventional credit-based loan.

While there are many options for these individuals, lately, many banks have tightened their loan qualifications, increased interest rates and cut their lending options.

Al Christy, Jr, the CEO and founder of EFH, thinks that loans collateralized by stocks are innovative borrowing alternatives for people seeking working capital.

Ideally, the loan-to-value ratio of stock-based loans is higher compared to that of the margin loans. Stock-based loans also have a fixed interest rate, and this provides the lender with certainty throughout the lifespan of the transaction.

Unlike conventional loans which are bound to be affected by fluctuations in the market, stock-based loans provide a buffer. This is because borrowers lower their risks of the investment in a disadvantaged market.

With more stock-based loans, there is a way out and borrowers can walk away from a loan at any time, even if the value of stocks depreciates. The borrower is allowed to keep the initial proceeds of the loan with no further responsibility to the lender.


Lots of people have an erroneous idea of what “odds” mean in certain circumstances.

When you throw a pair of dice, the odds that any one particular combination comes up is one out of 36 because there are only 36 possibilities. Assuming the dice are fair, each of the 36 possibilities is just as likely to come up as the other 35 possibilities. It all depends on the force of the throw, the angle, the landing surface and so on. The result is totally random.

Therefore, when bookies talk about the results of sports and use the same time of mathematical language about the odds and the probability of which team we will, many people forget that athletes are not dice. And the way that sporting contests play out are infinitely varied, not fixed at 36. The results are not totally random. The variables are incredibly complicated.

Most obviously, athletes are not dice. They have minds, feelings and goals. They can feel motivated or de-motivated. In any particular game, they may be recovering from overtraining or may be in the Zone.

A blog post on the site of VTA Publications makes this same point using the 1980 ice hockey event as an example.

The Soviet team had dominated the event for many years, and were known as the “Red Machine.” In an exhibition game, they trashed an all-star team of National Hockey League players. How could the American team of rookies challenge them?

He conditioned them physically so they could skate at full speed through the full game. None of them were stars, so he trained them to work together as a team. They learned how to play with each other, so they were mentally ahead of the puck, and also knew where their team members were.

Against all the odds, they reached the semi-finals, where they faced the Soviet team. The bookies said the odds were 10 to 1 against them.

Their coach, Herb Brooks, gave a locker room speech before the game. He told them, “Tonight is the one night we can win.”

In other words, the odds didn’t matter. They couldn’t play ten games and lose nine times, as though they were dice. They would play one game. They had to choose to win that game, tonight.

That’s your life. Average odds against success are for average people who put in average effort.

Put in the effort it takes to succeed no matter what everybody else does.

Interested in trading stocks and options? VTA Publications is a distance learning company selling programs to teach people about making more money. They offer a course on retirement planning from the Bible, how to trade stocks using charts, secret strategies for trading options and an entire seminar on DVD on the SV-60 System. Geraldine Roberts is the director of this private limited company in Lynn, the United Kingdom.  VTA is definitely trying to do something different, as their website shows they are more than committed.  Shop for financial enhancement ideas in the VTA online store.