|
SBA
LOANS |
FRANCHISE
LEASING
| $20k-$100k
UBLOC
SBCL
(Securities) | F.A.S.T Plan for Franchisees
| F.A.S.T
Plan for Brokers
P.A.L.
Program
| Retirement Rollover
|
|
... |
Is financing your franchise
still difficult?
Do you have stocks, bonds,
Mutual Funds, CD’s or other securities you do not want
to sell?
Get a credit line or loan
against your (non-retirement) securities in as few as eight
(8) business days without all the red tape, limitations, and
restrictions of conventional bank or SBA financing and keep your shares
without selling them.
Why utilize DFS to tap your
stocks for a safe line of credit?
- Lowest interest rates
available (1 ½ - 5 ½ %) & best terms (Lowest rates in market).
- Highest loan to
value (LTV) in the market (70 - 97%) depending on the type of
securities and portfolio size.
- Peace of mind. Know
that your securities/investment never are
sold or never change title
(borrower continues to receive dividends, interest and appreciation).
- Funding (credit line or loan)
in as few as 8 business days.
- No Pre-payment penalties.
- Flexibility in that you can
still trade in your account (no charge), with online access and
statements on demand.
- Simple process to obtain term
sheet (just provide us a copy of your brokerage statement).
- Quote given within 1 day.
|
- Our lender is 100%
licensed, fully regulated U.S. based lending institution in good
standing.
- Minimum securities
portfolio balance is $80K can be US or foreign securities.
- Our
securities-based credit line & loan program is “non-purpose”
and can be used for any objective including franchise fees, start-up
costs, expansion capital, acquisition, area development, multi-unit,
equipment purchasing, partner buy-outs, high debt rate payoffs, real
estate investments, and so many others. (Cannot be used to purchase
more marginable stock).
- Broad eligibility
criteria; wide range of stocks, bonds, mutual funds, etc. are accepted.
- Our compensation
does not come from any lender, which means our incentive is ensure that
our clients the best rates and terms possible.
- Lowest fees in the industry.
- Over thirteen years
experience specializing in franchise funding assisting hundreds of
franchisees, franchise brokers, A.D.’s, R.D’s and franchisors to obtain
their goals in a consistent reliable and professional manner
|
Eligibility and Release Rate(LTV)
Matrix
Table
is for general guidance only. Actual release rate or purchase discount
subject to change and will depend on full examination of portfolio. All
applicants must be prepared to provide a valid brokerage statement and
photo ID.
|
Criteria
|
Securities-Based Line of Credit
|
|
Minimum
price per share
(or unit for
other securities)
|
$5/share. Single stock positions
OK. Multi-stock portfolio positions receive optimum terms.
|
|
Minimum
average daily volume
|
50,000 per day on average based on
prior four week volume.
|
|
Minimum
portfolio value
|
US$80,000. Maximum: No practical
maximum.
|
|
Minimum
withdrawal (draw) from Line
|
US$55,000. Maximum: No practical
maximum.
|
|
Foreign
securities
|
Accepted. Europe (EC) and selected
other non-European markets for quality securities that meet our
standard minimum price/volume requirements in US$ equivalent
($5/share). Minimum portfolio size at inception: $250,000. Best rates
for larger portfolios. Local branch financing.
|
|
Restricted
stock
|
Inquire.
|
|
|
Note
that factors such as maturity date can affect credit line offer for
some bonds.
|
|
-
Accepted Securities
|
Credit
Line Release Rate (LTV)
|
|
•
Publicly traded stocks over $5
|
70%-80% of
portfolio value
|
|
•
U.S. Treasury Notes/Bills
|
80%-93% of portfolio value
|
|
•
CD -maturity less than one year
|
80%-86%
of portfolio value
|
|
•
CD - maturity 1-2 years
|
60%-72%
of portfolio value
|
|
•
CD - maturity over 2 years
|
60%-70%
of portfolio value
|
|
•
Mutual Funds
|
65%-92%
of portfolio value
|
|
•
Fannie Mae, Ginnie Mae, Selected Corporate CMOs*
|
25%-70% of portfolio value
|
|
•
U.S. Government Agency Bonds
|
88%-92% of portfolio value
|
|
•
U.S. Municipal Bonds
|
80%-92% of portfolio value
|
|
•
Corporate/Non-convertible Bonds
|
Up to 72% of portfolio value
|
|
•
Foreign Sovereign Debt
|
70%-95% LTV Depending on quality of
debt and country of issuance.
|
|
•
Exchange-Traded Funds (ETFs)
|
Up to 75% of portfolio value
|
|
•
Unit Investment Trusts (UITs)
|
Up to 65% of portfolio value
|
|
•
Control or Restricted Stocks
|
Up to 60% of portfolio value
|
|
•
Corporate Bonds (investment grade)
|
Up
to 70% of portfolio value
|
|
•
Investment grade Corp Bonds $50 and above**
|
Up
to 92% of portfolio value
|
DFS-sourced
credit lines and loans are solely provided by a
licensed U.S.
based lending institution in good standing.
Note: DFS and our
funding partners do not endorse or provide change of title (or
ownership) type
financing of our clients (borrower) securities/investments at any time. We do not offer
or compete with
nonrecourse, transfer of title “lenders” who sell some or all of a
client’s
stocks/securities and we do not consider such
structures/services as
legitimate loans in any manner. Our
(DFS) securities- based credit line and loan program is not
a margin
loan.
|
