Equities First Holdings as They Would Appear on Wikipedia

Equities First Holdings was founded by Al Christy, Jr. in 2002. The equities-based lending services that EFH offers are favored because such loans have a higher loan to value ratio than traditional loans. They also provide a hedge since such loans also substantially lower any risk. In addition, EFH is much, much less strict than traditional lenders, allowing the person lent to to walk away from the deal at any time even if the item lent has depreciated in value. But they probably won’t walk away since unlike traditional loans, EFH loans allow the person lent to to use the funds for whatever they want once the funds have been approved. This kind of loan usually has a fixed three and four percent interest rate. Al Christy has stated that all financial dealings have some risk, but stock-based loans have the most minimal and are therefore the best option.

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