If you feel the frustration and anger that so many other small and large companies are by having to beg, and beg, and beg in front of 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 of your employees as you asked for a small business loan to expand your thriving business, or to finally modernize and/or add that much needed machinery that you can now buy at a fraction from just a couple 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 this time! Arggghhhhhh, it’s enough to operate a vehicle anyone insane.

Well, you will find a very innovative, fast and simple way that lots of savvy, informed business owners have been able to get that essential financing with a Pledged Asset Loans or elsewhere 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 a Pledged Asset non-recourse Loan (read no personal liability), true NO DOC loan program wanted to anyone holding any publicly traded security worldwide. Let’s explore a little more and where you can get your PAL’s loan today.

You can find specialized financial companies offering securities based loans to investors looking 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 to the direct sale of their securities. We’re able to provide this financing in an easy, streamlined manner with minimal paperwork in as little as a few days.

Most of the stock loan programs are non-purpose and non-recourse requiring no documentation. Addititionally there is no credit check no income or employment verification. The only real collateral reviewed and evaluated will be 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.

Innovative Finance for Personal Loans A PAL’s program is unique versus traditional securities based lending programs, commonly referred to as “margin loans”. The most 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 predicated on variable indices such as for example LIBOR or prime.

In addition, there is personal liability associated with these traditional forms of margin loans. Conversely, PAL’s program allows securities based loan facilities as high as 85% of the worthiness of publicly traded stock portfolios, and up to 95% on high quality government debt at very low fixed rates. Most securities meet the criteria for the program whether they are considered “marginable” or not and there is absolutely no personal liability.

This is when you cannot afford the dream house that you want and you accept less and use it as a stepping stone to obtain the dream house you always wanted. For instance say that the house you want to get costs $300,000 and you also don’t have the mandatory money right now just what exactly do you do? You buy a house that’s slightly run down and pay a deposit of lets say like $8000 onto it.

Then you can 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 wholesome profit, and you are one step closer 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 some of the repairs yourself, also keep a sharp eye on repairs because if the repairs consume the gains then it wouldn’t turn out to be a profitable venture.