Financing for Your Business

Over the past couple of years, a lot of people have decided to invest in their future. Starting your own business is tough, and few people have the capital on hand to do so. Equities First is a great company to work with for lending solutions. Over time, they have proven to have the customers’ best interests in mind. Not only do they have a great staff that is helpful, but they have the experience you need to take things to a new level. Over the next few years, this is a company that will help a lot of people.

About: Equities First

When the company was started, the founders wanted a business that was going to improve into the future. Equities First is a company that helps companies and high net worth people with their financing needs. Many people think that companies need one shot of cash in the beginning and then they never struggle again. However, this is not really the case. A lot of people feel like there is a huge market out there for companies that can be a continual source of cash for companies that need it.

That is why Equities First has done so well in the countries where it does business, including the United Kingdom. The company is making a lot of investments into the future, and this is going to have a major positive impact on their financial results in the future.

Next Steps

Working with Equities First is a great way to get the cash you need. There are a lot of people who are looking to take things to the next level in their life with their finances. If you are a business owner and need cash, Equities First is a great company to work with.

This is a company that has done a lot of great work in the local community with people from all different income groups. In the coming years, working with Equities First is a great way to secure your future. Whenever you need capital, they are a great business to go to for help.


Why Equities First Holdings is a Go-to Company for Stock-based Loans

Equities First Holdings has established itself as a leading financial lender of stock-based loans. Its slogan, ‘we do one thing so that you can do anything’, entails how it lends its customers money to support them in attaining their goals. Some of the primary beneficiaries of EFH’s alternative lending services and solutions include businesses as well as high-net-worth individuals. As such, Equities serves as a suitable lending option for people who are ineligible for credit-based loans as well as those in need of raising capital promptly.

Equities First Holdings’ Line of Specialization

EFH’s main line of operation includes coming up with efficient, alternative lending services or solutions for its clients. In this case, stock acts the collateral for a loan given to a customer. These loans serve as suitable borrowing opportunities for many parties, especially potential investors. Startups can also get fast cash to explore innovative opportunities as well as secure capital for new business ventures.

Since stock-based loans come with minimal restrictions, the money given can be utilized for multiple purposes. In fact, the lender does not necessarily need to know all the details on how the money will be spent. This allows the borrowers to repay the money at a reduced interest rate, which is fixed at 4% or even lower.

According to Al Christy, EFH’s CEO, stock-based loans have the upper hand over margin loans since they offer a higher loan-value ratio. In fact, the qualification process is easy as opposed to that of credit-based loans. Even though all loans are attached to some risk, borrowers of stock-based loans can walk away from such deals without any obligations.

Experience in Stock-based Lending

EFH boasts of vast experience in creating and providing alternative lending solutions, which spans about 14 years. During the 14 years that Equities First Holdings has been in operation, it has executed more than 650 transactions involving lending money as well as returning stock collateral to clients upon repaying the loan in full.

Global Expansion

Equities First Holdings is headquartered in Indianapolis, Indiana. Since its inception in 2002, EFH has managed to cross the North American borders into other locations such as Sydney, Singapore, London, Bangkok and Hong Kong.

Dallas Bank 2014-2015 Financial Report

NexBank Capital Inc. is a financial services provider based in Dallas, Texas. It offers three core services namely, Mortgage banking, Commercial banking, and Investment banking. Apparently, NexBank provides custom- tailored financial services to corporations, institutions and individuals across the US.

NexBank Reports Strong Fourth Quarter and Full Year 2015 Results

Through industry leadership and business ethics, NexBank strives to deliver desired customer value at every opportunity. The company hires experienced professionals with proven track records of success. The professionals are responsible for providing sophisticated and custom-tailored solutions to issues raised by the clients. The company has been serving the banking community with a charter dating back to 1992.

NextBank’s financial report

 At the last quarter of the year 2015, NexBank reported a strong consolidated financial result. This was NexBank’s fourth consecutive year to reach the target levels of assets, income, loans, and deposits. Its net earnings increased from $ 25.6 million to $53.2 million from the year 2014 to 2015 while Return on Average Equity (ROAE) grew from 23 percent to 35 percent for the same period.

 At the fourth quarter of the year 2015, NexBank’s assets were worth $2.72 billion, a 48 percent growth over the previous year. Its total lending grew to $ 1.97 billion, a 42 percent increase from a year earlier while deposits grew at a rate of 32 percent yearly to reach $1.88 billion in the year 2015.

 The results reflect NexBank’s profitability and efficiency in its operations. Evidently, the company increased its income yearly and improved the value of its assets and deposit channels. John Holt, the CEO of NexBank attributes the success to the company’s commitment to manage its risks and expenses prudently. For 2016, NexBank targets to utilize every opportunity that expands and strengthen its brand. As part of its long-term development plan, NexBank merged with College Savings Bank at the end of the year 2015. The merger diversified NexBank’s balance sheet by bringing an additional source of deposit.

Goldman Sachs surpasses Q2 earnings expectations

In its second quarter of the year, Goldman Sachs reported earnings that surpassed expectations. The earnings expectations were beaten on expense cuts and an upsurge in bond trading.

Goldman Sachs group was popularly assumed to be destined for a down quarter due to the increased risk perceived by investors. In addition to the perception of increased risks, other factors in the belief that Goldman would be down included the slowed down corporate merger, dwindling acquisition activity, and a stalled public offering market. The low expectations for Goldman’s Q2 earnings were deepened further by an ongoing aura of uncertainty created by Brexit.

Against the writing on the wall, Goldman Sachs Group has undertaken a strategy of shrinking down and building its foundation from the bottom-up. The shrinking strategy worked in the investment bank’s favor, as on Tuesday morning, the second quarter report showed far higher earnings than many had initially anticipated.

Goldman Sachs’ revenue reports were $7.93 billion and $1.82 billion profit, at $3.72 a share; by contrast, the expectations were for $7.5 billion in revenue at $3.72 per share.

While the earnings are still 13% lower than the revenues reported at the same time last year, the rise in profitability still took many investors by surprise. Goldman Sachs CEO Lloyd C. Blankfein credited the investment bank’s successful Q2 earnings to a strategy focused on serving clients across a “diversified franchise”.

Goldman Sachs Does Well But Cuts Bonuses

Goldman Sachs, one of the most renowned Wall Street investment banks, just announced its quarterly earnings. In the second quarter, the results were better than expected. The net income has risen to $1.82 billion from $1.05 billion a year ago. However, this is due to last year’s depressed earnings after Goldman applied $1.5 billion charge for a settlement regarding mortgage backed securities, the infamous financial instruments that led to the 2008 financial collapse.

Even though the revenue dropped from slightly over $9 billion year ago to less than $8 billion now, the earnings were $3.72 per share, which is better than $3 that most analysts expected.

Yet, Goldman Sachs is seeking to tighten its belt. When it comes to compensation charges, the company allocated $3.3 billion to them in the second quarter, while it was $3.8 billion a year before. This represents $96,000 per employee, down from $110,000 CNN Money reports.

In the first quarter of 2016, the bonuses were decreased by about 40%, but still were, on the average, over $70,000 per employee. Overall, the bank’s operating costs decreased by 26%.

A major reason for these cutbacks is recent 17% drop in investment banking revenues. Speaking of company’s performance, Goldman’s CEO Lloyd Blankfein claimed he’s pleased with the results. When it comes to the investors, their feelings must be mixed- the stock is down 10% since the beginning of this year.

Success of BMG By Marcio Alaor

Success is only able to be achieved by having a strong desire to be better and the will to be able to reach goals that may seem unattainable. Marcio Alaor has all of these things and has been successful as a result of these things. Not only has he been successful in his own life, but he has also been successful as the vice president of the BMG bank. He has brought a large amount of success to the bank as a result of the different things that he is able to do with the bank.

There have been many reasons that Marcio Alaor has been successful, but his blog shows the person who has been the biggest contributor to his success. Besides himself, Dr. Wilmar was one of the biggest people who helped Marcio Alaor become successful at the banking life and at his own life. He knows that without Dr. Wilmar, he would not have been able to be where he is at with BMG today. He also knows that he would not have the skills that he needed to be able to run the bank to make it a better place for the customers and the employees of the bank.

There were many reasons that he was successful, but Dr. Wilmar saw Marcio Alaor at one of the lowest points in his career. He was working shining shoes when he met Wilmar and became one of the hardest working shoe shiners in the company. He knew that if he had a strong work ethic, he would be able to get somewhere in his life. This led Dr. Wilmar to ask him to be an employee of the bank and kicked off the great career of Alaor.

There were many reasons that Marcio Alaor chose people to be employees of the bank, but he knew that drive and success were two of the biggest things that he was looking for when he was growing the bank. He wanted to make sure that the people he hired were dedicated to being better for the bank and wanted to make sure that they were going to be successful. When creating growth for the BMG bank, he looks only for people who have strong work ethic like him and makes sure that the people are dedicated to success. He also ensures that they have a strong drive to be able to be better.

Follow him on Twitter.


BMG Increases Investment In Brazilian Clubs

The growth of the investment firm has for some time now been seen as a blessing to the Brazilian clubs. It is uncommon to see clubs play in matches without a BMG label on their uniforms. It is a clear indication that BMG has taken over the industry, and has gone forward to sponsor a majority of the teams. The bank has taken concrete measures to make sure it achieves the worldwide goal of marketing its agenda, and at the same time benefiting the society. The corporate social responsibility it engages in is commendable.

The year 2008 was the turning point where Ricardo Guimarães, the president of BMG, started to invest aggressively in banks. By 2011, the bank had extensively invested in over 11 Serie A clubs. From the sponsorship of the teams, BMG has a right to the economic prosperity of the players. In the future sale of a player, they have a role to play and a slice to the bank, for their support of the players. In fact, at least, five more teams in the first division football in Brazil have BMG slice gains from it, even though there is no sponsorship contract.

In 2009, BMG formed an investment fund named Soccer BR1. Players from the 11 teams, and including Corinthians, Avail, Botafogo and Fluminense, are signed up to the investment’s fund shares. It has over 50 players in it, who benefits directly from the future sale of the athletes.

Questions have been raised about the rapid and steady rise of BMG in Brazilian football. However, detailed understanding points out that the Bank has a close relationship regarding assisting each other with the business deals. BMG President Ricardo Guimarães is totally in support of the idea of giving loans to clubs to service their expenditure and help them run when they are faced with short-term financial constraints. In the instances where the clubs are unable to repay the loan, the banks retain a slice of the athlete. It increases the possibility of profiting in future spells of the player.

The whole idea is an arrangement between the clubs and the Bank. The bank has the money to run the club and salvage the situation when they are in a financial crisis. It is, therefore, mutually beneficial for both parties to have such agreements. According to Edwardo Maluf, they have a role to play in the rights of players they have interests. In that respect, he reiterates that selling players is something that is not only beneficial to the club, but to BMG as well. Therefore, they have a long-term goal of engaging in the business relationships that surround Brazilian football and sponsorship in general.

Follow Ricardo Guimarães on Twitter.

BMG Profile and History

Privately owned and controlled by the family of Pentagna Guimaraes. They have involved themselves in the financial industry of Brazil ever since 1930. They have established it as Banco de Credito Predial S.A. The commercial bank since then has offered its products to the institutions and individuals. The bank adopted a business model which was consumer financing as well as Wholesale. It was the leader in the market. It helped with the financing of the vehicles in the 1980s, both heavy and light. It has changed its plans in 1998 to dealing with loans in payrolls. It has since become the benchmark.

One person that is very helpful in the transitions of business matters is Marco Alaor, the vice president and director if BMG. He came to be very helpful in summer of 2012 when BMG has signed an agreement with Itau Unibanco S.A. which had the aim of distributing payroll loans in Brazil. Marco Alao has a lot of good business sense when it comes to his bank. Thanks to him, the BMG company ownes as much as 40% of all stocks when it comes to the voting total leaving Unibanco with the 60% left over.

BMG is one of the most trustworthy banks of Brazil. They make sure to conduct their business in an ethical manner which builds trust and helps them gain more capital for the company. There are other banks in Brazil that attempt similar business practices, but few come close to being as successful as BMG. BMG knows what choices will bring them the needed advantages to their business. Their choices make it easier for them to take care of other responsibilities such as bringing their focus to the Payroll Credit Card.

BMG has such a rich history of good choices and profitable activities which show the company to be very wise and thoughtful company. One thing that is very helpful to their success is the fact that their clients are satisfied. When clients are satisfied, then that shows that the company is worth doing business with in Brazil. They have shown themselves to be trustworthy and honest as well as diligent when it comes to their business with clients of all sizes in Brazil. Their strengths in sales and other areas of business is what makes them stand out in various aspects among other businesses. They have maintained great strength in business for almost 100 years.

Their strength and success comes thanks to its highly experienced team of professionals. They have become a brand that is nationally famous when it comes to their ability to read the market in order to predict the next major movement. Throughout the history of the company, BMG has maintained a great portfolio when it comes to making business decisions.

US Money Reserve Joins Fight To Alleviate Hunger

Capital Area Food Bank of Texas, a major provider of hunger relief throughout Texas is a part of an ongoing crowd funding campaign headed by US Money Reserve. CABF has partnerships with over 300 agencies that is spread across 21 counties and is a central component to alleviating hunger for Texas residents. The US Money Reserve prides itself on not only contributing to charity but encouraging their clients to participate as well. The contributions towards the campaign will benefit the Capital Area Food Bank of Central Texas which has a service area of 19,064 square miles and is currently in its 30th year of service. To encourage participation US Money Reserve has partnered with Crowdrise in creating the crowd funding campaign benefitting CABF.

US Money Reserve is an organization based in Austin, Texas that is the leading distributor of U.S. Government issued gold, silver and platinum coins. It provides consultation services for clients interested in purchasing high valued coins. US Money Reserve was created by veteran gold market specialists and continues this high level of expertise in helping people make the right decisions when purchasing these high valued coins. Currently US Money Reserve has over 100 experts that are knowledgeable in a variety of areas such as:
– Senior Gold Specialists
– Industry Leading Numismatic Experts
– Customer Relations Department
– Business Support Development
– Inventory Department
– Vault and Shipping Department
– Coin Research Professionals
The US Money Reserve is the company to use when wanting to diversify your portfolio and feel safe doing so.

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Source: Digital Journal

The Power Of A Bank

Ricardo Guimarães painted a brighter future for BMG Bank when he decided to become the president and CEO of the bank during 2007. In the following World Finance interview, he addresses several trending topics regarding the development of BMG and how it currently operates.

The overall growth of Brazil, decline of inflation throughout the city, and better life conditions have contributed to the significance of the BMG. Achievements in credit expository, equity amount and proportion of cosigned credit from BMG in the total market are highly notable. Credit expository percentages are accounted from 27% of GDP in 2004, to 47% of GDP in 2010. Likewise, a transition from 20% to 60% of personal credit in cosigned credit (%6 billion to $85 billion) and an increase from $325 million to 1.4 billion in equity occurred during the 6 year period.

In addition, the following statistics of BMG include the following:

1. 80% of market share in the cosigned credit marketplace, nationwide.
2. Relatively big distribution channels throughout the bank and access to international market.
3. Home to approximately 5 million clients and 50,000 agents.

Several acquisitions and deals also contributed to the success of BMG. For instance, the acquisition of GE Money and purchase of stocks from Securadoor allowed the company to expand its territory. In other words, the company obtained better interaction between clients and prospects. This outcome led to better ways of approaching them, innovations of new ideas, and better contacts.

Guimarães illustrated the multiple facets of BMG’s marketing strategy when he emphasized the importance of sports to promote the company. While sponsoring multiple sports activities (soccer, basketball, etc.), BMG informs individuals that sports is a way of showing personal and social growth.

Social integration- of clients, employees, and partners- influences our society to work collaboratively and create a mainstream of majority and minority groups. Activities in BMG that value culture, entertainment, health, and education, plays a major role in this movement.

Guimarães, during his interview, reminds everyone that BMG is credible and primarily focused on providing the cheapest alternative to personal credit throughout Brazil as well as many places in the world. With this in mind, he doesn’t deny the fact that the company is apart of a humanitarian effort to improve society as a whole.