Notes

Commercial Loans - How Long it Takes to obtain Financing
If you feel the frustration and anger that so a great many other small and large companies are by having to beg, and beg, and beg before your supposed "Friendly Banker" after providing them with tons of paperwork, and once they have cross examined not merely your successful business, but you and all your employees as you asked for a small business loan to expand your thriving business, or to finally modernize and/or add that essential machinery that you can now buy at a fraction from just a couple of years ago, or maybe make that smart acquisition, and by the end of all this humiliation you're told - Sorry, but we are not providing any commercial loans at the moment! Arggghhhhhh, it's enough to drive anyone insane.

Well, there is a very innovative, fast and simple way that lots of savvy, informed business owners have already been able to get that essential financing by using a Pledged Asset Loans or otherwise referred to as PAL's to secure the financing they need.

PAL's you ask, what is a PAL's? A PAL's loan is really a Pledged Asset non-recourse Loan (read no personal liability), true NO DOC loan program offered to anyone holding any publicly traded security worldwide. Let's explore a little more and where one can get your PAL's loan today.

You can find specialized financial companies that provide securities based loans to investors seeking to maximize the potential of their existing publicly traded securities through their Pledged Asset Loan (PAL's) program. These clients are seeking liquidity for personal or business use with no the necessity to sell their existing securities.

The target is to deliver customized, innovative financing answers to individuals and businesses seeking an alternative solution to the direct sale of these securities. We're able to provide this financing in an easy, streamlined manner with reduced paperwork in as little as a few days.

Onviqa The majority of the stock loan programs are non-purpose and non-recourse requiring no documentation. Addititionally there is no credit check and no income or employment verification. The only collateral reviewed and evaluated are the pledged securities from our clients. The pledged securities are our lenders' only recourse.

These company's offer lending facilities of all securities traded domestically and of all international exchanges.

A PAL's program is exclusive versus traditional securities based lending programs, commonly referred to as "margin loans". The maximum amount that most traditional investment banks will lend on a superior quality securities portfolio is 50% of its value, rather than all securities are believed "marginable". The interest rates are usually higher and based on variable indices such as for example LIBOR or prime.

In addition, there's personal liability associated with these traditional types of margin loans. Conversely, PAL's program allows securities based loan facilities of up to 85% of the value of publicly traded stock portfolios, or more to 95% on high quality government debt at suprisingly low fixed rates. Most securities meet the criteria for the program if they are considered "marginable" or not and there is no personal liability.

This is when you cannot afford the dream house that you want and you settle for less and utilize it as a stepping stone to achieve the dream house you always wanted. For example say that the house that you want to get costs $300,000 and you also don't have the required money right now just what exactly do you do? You get a house that is slightly run-down and pay a down payment of lets say like $8000 on it.

Then you can certainly rent it out and the rental income you earn can be used for repairing the house and then once the repair work is complete, it is possible to sell it for a healthy profit, and you also are one step nearer to buying the dream house you always wanted. Be advised this is not for impatient people, to save lots of the money you may have to do a few of the repairs yourself, also keep a sharp eye on repairs because if the repairs consume the gains then it wouldn't grow to be a profitable venture.
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