Graham Financial Associates

Got Stock? Need Cash? Don't Sell It, Leverage It!

Loans from $25,000 to $100,000,000 plus, using your stock as foundation.

A stock loan is usually a loan using marketable securities as pledged collateral. Our stock loans are
different.

Graham Financial Associates' Non-Recourse Stock Loans Service:

Our stock lending process is simple. We use your stock, free-trading or restricted, as a foundation to give you a secured loan while you keep profiting from the equity you have built in your investment. Whether you're a small investor looking to make a few home improvements or a larger investor trying to diversify your portfolio, Graham Financial Associates can give you financing in order to reduce your risk of investment - known as hedging. If you need funds for corporate financing, business expansion, remodeling, or other personal use, your stock portfolio may be the answer to increasing your assets. Our knowledgeable staff can take you through the process developing a personalized, secured loan that fits your financial situation.

Our stock loan programs provide secured loans from $25,000 to  $100,000,000 or more. Our stock loans let you retain the right to reacquire your stock for the amount owed on the loan, no matter how much more valuable your stock may have become. There are no hidden fees, no closing costs, and no margin calls. Most types of loans require credit checks, but for our stock lending program, there are no credit checks and no communications between Graham Financial Associates and any credit-reporting services. Instead, we consider only the market value, volatility and average trading volume of the stock under consideration to determine the amount of the loan. We offer up to 90% loan-to-values. During the life of the loan you are provided with many options in choice of terms, renewal, and exit strategies. Hedging can protect your investment while freeing up equity for other purposes. Take advantage of this opportunity that was once only available to high net worth individuals. Call or email me for a stock loan quote today.

Brokers are welcome and protected.

Overview

Types of Stock
- Free-Trading
- Restricted:
  *Must trade on AMEX, NASDAQ, or NYSE
  *We also do Pink sheets/ OTC
  *Trade at greater than $1.00 per share

Terms:
-Short Term
-Mid Term
-Long Term

Choice of renewal
-Increase Loan Amount
-Increase Loan Term
-Terminate Early

Choice in exit strategy
-Pay out of pocket
-Ask us to sell the shares needed to pay off the loan

Traditional Lenders:
-Unwilling to use stocks as collateral, leaving you with few options.

Brokers:
-Most Brokers who are able to margin your stock, often give you only a small percentage of the true market value.

Stock Lending

There are two kinds of stock loans; margin loans and stock-based loans. Margin loans are provided by a stock broker. Stock brokers can typically only offer loans up to 50% of the value of the stock. Stock-based loans are provided by a conventional lender such as a bank or finance company. Conventional stock lending companies can offer loans of 90% or more.

Stock lending is simple. Almost any publicly traded stock is used as the foundation for a loan. The borrower lets the lender know how many shares of a certain stock they want to use. The stock lender reviews the stock and determines a loan amount. An offer can be given to the borrower the same day. Once the borrower accepts the loan offer, their stock is delivered to the stock lender. This can be done in one of two ways: by transfer on the books of the Depository Trust Company or by physical delivery in certificate form. The loan is then funded after receiving the certificate and after verification of the provenance and marketability of the shares.

Unlike typical loans, stock-loans are determined by the type of stock, not the borrower. Using stock as the foundation for a loan allows a smart investor to take advantage of many of the same lending options as conventional loans, but under less scrutiny and with more privacy. One's credit score, credit history, household income and property do not play a role in determining the amount of money to be borrowed.

There are no credit checks performed. With a stock-loans, the stock is under consideration for the loan, not the borrower. The stock-loan provider reviews the history of the stock and establishes a loan amount based on the stock.

Stock-based loans are a type of hedging strategy. This is because the borrower is reducing their risk of investment. Whether the loan proceeds are used for home remodeling, purchasing more stock options, paying off debt, or corporate financing, the borrower will increase their assets.

Small Loans from $25,000 to $500,000 plus, using your stock as a foundation

Small Stock Loans

Giving you money for the things that matter.

Graham Financial Associates can help use your stocks to their full potential as a foundation for the things that matter most. Our diverse clientele use their loans for things like:

• Down payments on properties/ home improvements
• Paying off high interest debt
• Reinvesting into further holdings
• Expanding an existing business or starting a new one

Our loans let you maintain many benefits of ownership.

The borrower receives all shares of stock back when the loan is paid off, along with any increases due to splits or stock dividends. 

No matter how valuable your stock becomes, to reclaim your shares requires only paying off the principal and interest on the loan.

Our interest rates are low based on prime plus one percent.

Large Loans from $500,000 to $100,000,000 plus, using your stock as a foundation

Large Loans

Moving your investments forward

Graham Financial Associates has a system in place to help you reach your financial goals. Borrow up to 90% of the market value of your stock. With qualified loan specialists providing stock based loans well into the millions of dollars, you no longer have to give up market potential. As the stock you post with Graham Financial Associates increases in value, you can borrow more money on a quarterly basis throughout the life of the loan. These loans can give you the cash flow to help you diversify your assets, invest in non-stock properties, or plan for retirement. Your financial goals can be met while you retain many of the benefits of stock ownership. During the life of the loan you are provided with many options in choice of terms, renewal, and exit strategies. We will work with you to develop a plan that helps you reach your goals. Contact me by phone or email for the stock loan quote. Graham Financial Associates can help you move your investments forward.

Graham Financial Associates Stock Loans

With a Graham Financial Associates stock loan you retain many benefits of stock ownership while profiting from the equity you have built in your investment. Just some of the benefits are:

Immediate liquidity:

Borrow up to 90% of the market value of your stock;

Low interest rates:

Interest rates stay at 1 point above the current prime lending rate at the time of closing- no surprise increases, no unexpected rate increases to damage your financial planning later;

Very low attractive interest rate:

3.9% - 11.9% interest is fixed for long loan terms;

Interest only payments:

Interest only rates allow you to borrow with the lowest possible payments.

Borrower chosen term:

Chose a term between 1 and 10 years, with the option to extend the loan indefinitely as long as your payments are kept current.

Monthly account summaries:

Borrowers are kept current monthly. Along with the monthly bill comes a statement detailing stock value;

No closing costs:

Graham Financial Associates does not burden its clients with closing costs or other up front fees of any kind;

No margin calls:

Should the value of the stock used as a foundation for your loan drop below the outstanding balance of your loan Graham Financial Associates will not request accelerated repayment. Graham Financial Associates will never make any margin-like calls demanding additional money.

We now have overseas involvement:

Graham Financial Associates partners are worldwide based financial institutions to develop programs and provide funding for your loans.

Graham Financial Associates Penny Stock Loan

With a Graham Financial Associates penny stock loan you retain stock ownership while gaining the benefit of using the equity you have built in your investment. For our purposes, a penny stock is one which has had an average market price of under $2.00 a share for the past 52 weeks. Brokers will not, as a rule, consider such a stock for margin lending, but we will! Just some of the advantages of borrowing from us are:

Immediate liquidity:

Borrow up to 50% of the market value of your stock.

Low interest rates:

Interest rates stay at 1 point above the current prime lending rate at the time of closing no surprise increases, no unexpected rate increases to damage your financial planning later.

Interest only payments:

Interest only rates allow you to borrow with the lowest possible payments.

Borrower chosen term:

Chose a term between 1 and 10 years, with the option to extend the loan indefinitely as long as your payments are kept current.

Monthly account summaries:

Borrowers are kept current monthly, along with the monthly bill comes a statement detailing stock value.

No closing costs:

Graham Financial Associates does not burden its clients with closing costs or other up front fees of any kind.

No margin calls:

Should the value of the stock used as a foundation for your loan drop below the outstanding balance of your loan Graham Financial Associates will not request accelerated repayment. Graham Financial Associates will never make any margin-like calls demanding additional money;

We now have overseas involvement:

Graham Financial Associates partners are worldwide based financial institutions to develop programs and provide funding for your loans.

Please don't hesitate to contact me if you have any questions!

For FREE Quote, Contact me:
http://www.grahamfinancialassociates.com/contact_us