vFinance Inc. has partnered with Equities First Holdings to offer you securities based lending opportunities.

Our Approach
A Proven and Straightforward Process Built Around Your Needs

• We understand that you're a forward-thinking investor who wants to retain the future ownership of your assets. But you also want to leverage the present value of your securities for your immediate cash needs. That's pretty straightforward.
• We approach getting you a funding solution in the same straightforward way. Our proven and efficient process streamlines loan paperwork - as well as asset and fund transfers - for a rapid and trouble-free experience.

Seven Key Advantages
No matter what your situation - needing immediate funding for real estate, a new business, college tuition, or a vacation home - what's important is that you choose your lender wisely.

1. A fast transaction
   Providing that all necessary documentation of stock ownership is supplied and transfers are promptly approved, we can have your funds to you within days. If you have an urgent or personal need that requires a very fast turnaround, we're here to help.
2. Fair share pricing
   A method of setting a fair "strike price" (the price per share that determines the value of your collateral) is a key factor in legitimate loans. We use a proven three-day average pricing model for every securities loan.
3. Low interest rates
   Compared to traditional loans and margin accounts, our securities loans carry a lower interest rate. We set very competitive, simple fixed interest rates which are noncompounding. Current rates range from 4 percent to 6 percent, depending upon the quality of the pledged assets.
4. Nonrecourse
   Since pledged shares are the only collateral for the loan, there is no personal recourse to you in the event of default. If your stock is worth less than the value of the original loan you may simply walk away and owe nothing further.
5. Fair loan-to-value ratio (LTV)
   We offer a fair and competitive loan-to-value ratio, depending on the value of your stock. Our loans have LTVs that give you the best percentage ratio predicated on our assessment of the amount of risk associated with the asset.
6. Unlimited upside potential
   As long as your loan is not in default, you retain the opportunity to benefit from the stock's upside potential over time. At the end of the loan term, if you repay the loan, you receive the same number of shares of stock you pledged, regardless of any price appreciation at that time.
7. Flexible terms
   Loan terms range from two to five years, with the average term being three years. Extensions and refinancing options are available. We will work with you to structure a loan that fits your time frame.

To get started, fill out the contact form today!