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A Securities Loan allows investors to borrow against their securities portfolio to create liquidity while staying in the market and enjoy the benefits of dual appreciable assets at once. Suppose that you want money, you need money, and you own securities (stocks, bonds, mutual funds, CD's, Treasuries, etc.) but you don't want to sell or cash them because it may not be a good time to sell or because you'll incur penalty. Then why not borrow against them? Most people borrow against the home they live in. And they borrow against their business property. And against the car they drive. So why not borrow against your securities especially since the terms are so good?

NOTE: We are currently offering six (6) programs in Securities Backed Loans (SBL). We can help you pick one which most closely matches your wants and needs.

We are offering a no, no, no; no upfront or application fee, no credit check and no income check. Simply fill out The Simplest Quote Form (better yet, fax or email us a copy of your most recent stock broker statement) and we will provide you a written quotation within 24 to 48 hours.

These loans are restricted only in the sense that the proceeds cannot be used to purchase more stocks or other marginable securities per government regulation.

If you wish to reach us through email, do so by clicking here: Tell us how we may be of service to you or fax us at (800) 305-1322, or call us at (800) 430-9222.

Securities Backed Lending:
This type of lending allows the borrower to use their investments to obtain funds for personal or business use. Using your investments as collateral you are able to borrow money at low interest rate financing for up to 10 years.

Benefits:
- Fixed interest rates between 2.50% and 4.50%
- Interest-only quarterly loan payments
- Loan terms of 3, 5, 7, or 10 years
- No, no, no; no upfront or application fee, no credit check, and no income check
- Funds may be used for any purpose including real estate purchase, business expansion, etc.*
- No personal guarantee (a non-recourse Loan) . The loan is collateralized by the pledged securities only - not by real estate and not by other personal property
- Loans available for up to 80% of the securities’ value
- Borrower keeps all dividends and upside market appreciation of the securities

How It Works:
- Loan-to-value and interest rate are driven by what securities are pledged. The more liquid and actively traded securities the higher the loan-to-value and lower the interest rate.
- No principal amortization or loan prepayment.
- At the end of the loan term the loan may be renewed, refinanced, or paid off.
- At pay off, the exact number of shares or collateral initially pledged is returned to you.
- Default trigger set at 80% of the loan amount not 80% of the securities’ value like typical margin loans. For example: securities value of $1MM, loan of $800K, default trigger at $640K (80% of the loan amount). If the securities value fell below $640k the borrower could walk away from the obligation of repayment of the loan and securities and keep the original loan proceeds ($800k) or contribute cash or securities to bring value back to $640k.

Criteria:
The stock must be free-trading without any restrictions and the borrower cannot own more than 10% or more in the company of the issuer.

Simple Steps:
Complete The Simplest Quote Form listing the number and name of securities and stock symbol (copy of your latest stock broker statement works best).
We will quickly determine the amount of the loan and the interest rate and prepare a loan proposal for you.
If you agree to the terms the next step will be for you to provide proof of ownership of your stocks, bonds or options. We will then verify the values and within a few days the loan proceeds are transferred into your bank account.
Upon repayment of the loan at the agreed upon terms the same amount of stock or other pledged collateral will be returned to you. It's that simple!

* Proceeds of the loan may not be used to acquire publicly traded equity securities

NOTE: We are currently offering six (6) programs in Securities Backed Loans (SBL). We can help you pick one which most closely matches your wants and needs.

These loans are restricted only in the sense that the proceeds cannot be used to purchase more stocks or other marginable securities per government regulation.

If you wish to reach us through email, do so by clicking here: Tell us how we may be of service to you or fax us at (800) 305-1322, or call us at (800) 430-9222.

Securities Backed Lending:
This type of lending allows the borrower to use their investments to obtain funds for personal or business use. Using your investments as collateral you are able to borrow money at low interest rate financing for up to 10 years.

Benefits:
- Fixed interest rates between 2.50% and 4.50%
- Interest-only quarterly loan payments
- Loan terms of 3, 5, 7, or 10 years
- No, no, no; no upfront or application fee, no credit check, and no income check
- Funds may be used for any purpose including real estate purchase, business expansion, etc.*
- No personal guarantee (a non-recourse Loan) . The loan is collateralized by the pledged securities only - not by real estate and not by other personal property
- Loans available for up to 80% of the securities’ value
- Borrower keeps all dividends and upside market appreciation of the securities

How It Works:
- Loan-to-value and interest rate are driven by what securities are pledged. The more liquid and actively traded securities the higher the loan-to-value and lower the interest rate.
- No principal amortization or loan prepayment.
- At the end of the loan term the loan may be renewed, refinanced, or paid off.
- At pay off, the exact number of shares or collateral initially pledged is returned to you.
- Default trigger set at 80% of the loan amount not 80% of the securities’ value like typical margin loans. For example: securities value of $1MM, loan of $800K, default trigger at $640K (80% of the loan amount). If the securities value fell below $640k the borrower could walk away from the obligation of repayment of the loan and securities and keep the original loan proceeds ($800k) or contribute cash or securities to bring value back to $640k.

Criteria:
The stock must be free-trading without any restrictions and the borrower cannot own more than 10% or more in the company of the issuer.

Simple Steps:
Complete The Simplest Quote Form listing the number and name of securities and stock symbol (copy of your latest stock broker statement works best).
We will quickly determine the amount of the loan and the interest rate and prepare a loan proposal for you.
If you agree to the terms the next step will be for you to provide proof of ownership of your stocks, bonds or options. We will then verify the values and within a few days the loan proceeds are transferred into your bank account.
Upon repayment of the loan at the agreed upon terms the same amount of stock or other pledged collateral will be returned to you. It's that simple!

* Proceeds of the loan may not be used to acquire publicly traded equity securities

Allstate Financial Services - 8888 Keystone Crossing Suite 1300 - Indianapolis, IN 46240
Toll Free Phone: (800) 430-9222
Toll Free Fax: (800) 305-1322

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