Equities First Holdings Experiences Rapid International Growth in 2013, Establishes Offices and Furthers Reach into Europe and Asia Pacific

Equities First Holdings is an Indiana-based loan provider with offices in all parts of the world continents. For the company, they have purposed to reach the world and save the situation through the use of stock-based loans. As a matter of fact, Equities First Holdings has worked to meet the needs to numerous companies and completed more than 2,000 transactions. According to Al Christy, he says that these transactions mean that they have kept up with their core duty to fulfill the needs of the people. In the end, you will notice that they have worked to meet the needs of all the citizens. However, they have seen these transactions as Daly business on a normal working day since the onset of the world economic crisis. The company has also worked to announce a double digit growth during this past year. For this reason, they have kept up with their core duty of issuing fast working capital in an economic crisis onset.

When the company expanded to cover the general facilities, it experienced positive growth. For this reason, they purposed to grow and reach all parts of the world and cover every continent. Therefore, they had no issue in opening offices in South Africa, London, Perth, Singapore, Bangkok, Hong Kong, and Sydney. When they opened the offices, they recorded more than 50 percent of loan intake through their offices. Al Christy is the Founder and Chief Executive Officer of Equities First Holdings. He has also overseen the expansion and growth of the company’s services in all parts of the world. Since the enterprise was incepted in 2013, it has recorded the highest growth rate in 2015.

The company has also acquired numerous companies in the line on stock-based loans to develop their capabilities to the future of the local areas. Al Christy has seen many people confuse the use of the stock-based loans and the margin loans. As a matter of fact, the two loans are not correlated. However, they are issued in a manner that does not anticipate market fluctuation. In the end, you might have realized that they are all different. For the margin loans, you are required to say the intention of the money to qualify for the credit. However, you are not required to state the use of the money to be eligible for the stock-based loans. For this reason, stock-based loans are now more attractive than the margin loans by far.

Why Refinancing an Automobile is a Smart Financial Alternative

Refinancing an automobile is not the same type of transaction as refinancing a home mortgage. Generally, when refinancing a mortgage loan, the process involves the consolidation of credit card balances, into the new loan: and unlike that type of arrangement, refinancing an automobile is generally an effortless process. Another bonus, provided to the consumer is there are minimal fees to zero fees, attached, to refinancing an automobile loan. Refinancing an existing auto loan is, therefore, a very unique and positive financing option. The reason more persons do not refinance their respective loans is that information, within the lending marketplace, is not substantial enough, for the borrower to easily choose this favorable financial loan option. The article, which follows, provides the borrower, much, in the way of knowledge, in understanding refinancing his or her automobile.


There are four conditions, when refinancing an existing automobile loan, which provide the borrower with a sensible financial solution. The four conditions are listed below:


1—The first condition is that interest rates have declined, within the lending marketplace. When interest rates drop—even more than a few points, since the consumer has made purchase of his or her automobile—the savings, with respect to the loan arrangement—can be quite substantial. It is important for the consumer to recognize the fact, that even a mere percentage point or two, can make a vast amount of difference, with respect to the monies paid over time, as it pertains to his or her existing automobile loan. It is very important, the borrower check out refinancing his or her existing car loan, when interest rates drop.


2—Another condition, wherein, a savvy consumer is smart, in refinancing an existing auto loan is when his or her credit score has improved. When a consumer has had, in the past, a few negative items on his or her credit report; or had no credit history, when it is the car was purchased—over time, this type of situation works itself out. In example, as it pertains to the situation where negative items are found on the credit report: the consumer, during the interim period, may have invested in some secured credit cards, making his or her payments—on time—and, thus, proving his or her credit worthiness. Or, as it pertains to the preceding situation, he or she may have had a company clean up negative items—that did not belong to him or her. On top of the other positive actions, the consumer, who is consistent in making his or her auto loan payments, on time, proves his or her credit-worthiness, too. The individual, who has had no credit history, whatsoever, when purchasing his or her automobile, by making his or her payments on time, has, in effect, demonstrated that he or she may be depended upon to proceed in making payments, in a timely manner. Once, the credit score of the individual has improved, on a general basis, such an individual is in a favorable position of possibly being able to take advantage of lower interest rates. As it pertains to the two unfavorable circumstances—that being, negative items found on the credit report, and a history of no credit, such profiles can result in interest rates, as high as eighteen percent, or even more. It pays, then, for the borrower to pay his or her loan back, in a timely manner—since thin credit histories, result in higher rates of interest. This is to say, several months, wherein, the consumer demonstrates that he or she is able to make his or her payments on time, may interest a lender in refinancing that individual’s existing loan to a lower rate of interest. The consumer is wise, then, to check his or her respective credit history, prior to taking action, with regard to refinancing an automobile.


3—Another condition, which requires an individual to consider refinancing his or her automobile loan is, wherein, he or she simply did not receive the best rate possible, when purchasing his or her automobile. Additionally, just because a consumer may have had, even, a high credit score, wherein, his or her history was unblemished—does not necessarily mean, such a person, received the best rate available. The vehicle loans, too, made by many car dealers, normally, due to their nature, carry high rates. Those rates are much higher than what the average consumer deserves. Many consumers, go along too, with the higher interest rate, simply because he or she has not acquired the knowledge or experience in realizing that many of the dealer-financed arrangements, provide the consumer with rates that are a tad bit too high. The consumer must understand that the higher rate is generally a revenue stream for the dealer. Other items, too, such as rust-proofing the automobile and warranties, which are extended, represent other profit centers for the car dealer. A person, finding out such information, after-the-fact, may wish to select refinancing his or her car loan, in order to receive a lower interest rate and/or a lower payment.


4—A condition, wherein, refinancing is a sensible choice is when the individual’s financial situation is not as healthy as it was at a prior time. This form of financial deterioration, provides the consumer with the opportunity to address it, in a practical manner. Some consumers, experience setbacks—financially—and require a ready solution. It may be, with regard to the preceding situation, that refinancing an auto loan, in order to reduce payments, provides a good solution. The loan term, with regard to the re-fi option, is increased, and, as a result, the monthly payment is decreased.


Locating the lender that refinances is the most effortless step—in way of refinancing the loan. The lender, Ignition Financial, can easily educate the consumer and make refinancing his or her existing car loan a reality. In turn, his or her payments—on a monthly basis—can be reduced, freeing up cash, so he or she may experience a more vigorous and active lifestyle. When the borrower is thinking: “ I wish I could slash my payments,” the knowledgeable associates, at the preceding financial organization, can make payment reduction a reality.