Stock loan financing should always feature licensed institutional management, no transfer of title or ownership to your lender, and low interest rates. Very low rates.

We at A. B. Nicholas start with a simple premise: Your securities belong to you and no one else. We offer the most competitive program in the market along with thirteen years of experience focused entirely on securities-based financing. We work only with fully licensed lender advisors and top-tier SIPC/FDIC-member institutional managers. We believe in an intelligent, solution-oriented approach to every situation so as to ensure the very best possible stock-secured financing in today's market.

Welcome to LeverageLine™, a quick-closing securities-based institutional solution built with input from investors like you.

Safe. Our clients had grown wary of lenders who demanded transfer of ownership to their securities in exchange for a "beneficial ownership" that was in reality no ownership at all but rather a complete loss of ownership. Such programs force borrowers to contractually permit their "lender" to sell their shares while using some of the proceeds for your "loan" and pocketing the remainder. They offer no professionally audited financial statements, no verifiable independent cash reserves, and no licensing or other validation to ensure the safe return of their shares.

That's not good enough for today's investors, who wisely demand a stock-secured loan that is the diametrical opposite of these programs. And that's what ABN offers: financing in the form of a revolving credit line where your securities are not transferred into any unknown, unregulated private party's control but rather reside entirely in your own title and account at a fully licensed and transparent U.S. lending institution where you have online access and the confidence that your assets reside in an SIPC-insured account, your cash in an FDIC-insured account, your lender advisor a fully licensed FINRA member.

When you undertake an ABN credit line, your brokerage account is with a 100+ year-old, fully regulated "household name" investment banking and brokerage firm offering full transparency and an unassailable reputation. Your ABN-sourced line comes with the lowest rates and costs in the market and many other flexible features that add up to the most competitive program of its kind.

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Clarity. Our clients said they wanted to fully understand their financing well in advance, with no surprises. We take the time to make sure that you thoroughly understand how your funding works.

Fidelity. Our research also showed that stock owners didn't want to trade superior account security for superior rates and terms. We can say that our clients get the best of both while never sacrificing either.

Considering a transfer-of-title, nonrecourse stock loan? Stop.

We recommend you pay heed to what FINRA says first. Have you been offered a nonrecourse stock loan? If yes, FINRA (the Financial Industry Regulatory Authority) hopes you'll read this first.

Interested in a case study? Go here for an insider's view from a former broker victimized by nonrecourse lenders who misrepresented their programs.

Stock Loan Credit Lines Featuring
No Title Transfer and Licensed Lenders Only.

Ten Key ABN Stock Loan Advantages Best Loan-to-Value in the Market. High release rates (LTV) for ABN clients mean maximum credit for you. Lowest Rates. Industry-best interest rates mean competitive, low funding costs for you. We arrange rates that outbid any comparable financing. No Transfer of Title. With LeverageLine your securities always remain in your solely-owned account, title, and ownership, not the bank's, not the lender's. A simple lender bank lien on your securities ensures your repayment, exercised only if you default. No Sale of Your Securities. With LeverageLine, your securities aren't sold unless you choose to sell them yourself. You can trade in your account with certain minimum value requirements as well. The choice is yours. Impartial, Independent Service. ABN is never compensated by any lender, brokerage, bank, or other institution. We work for you, as your support when or if needed. We bring you into securities-based credit line program that, in our view, is the best the market currently offers. Top-Tier, Top-to-Bottom. You lender is always 100% institutional and fully regulated. It is a transparent, top-tier American firm staffed by licensed, FINRA-member advisors in good standing. Minimal Paperwork. Fastest lump-sum funding in the market means a very "light doc" credit line. Funds for non-corporate signatories are typically available in 5-14 days on average. Back to Basics. No prepayment penalties; trade in your account with value maintenance; licensed lender advisor support at no additional cost for lines above $100K for ABN clients; long-term, relationship-oriented lender with emphasis on client service. Client-focused. ABN follows "old-school" small-firm respect for all of our clients, regardless of net worth. Our greatest compensation is your satisfaction. Strong Affiliate Program. Competitive referral commissions, pre-approved marketing documents, and readyl support help you succeed while ensuring legal and policy compliance. (Apply) A. B. Nicholas LLC 1425 K. St., NW, Ste. 350, Washington, D. C. 20005 Tel: 202.379.4744 • Fax: 202.204.5131 A. B. Nicholas-sourced credit lines are provided solely by and through licensed U. S.-based institutions which are members in good standing of the following organizations*:

Learn More. Visit Our Support Library. All materials in this library are copyright A. B. Nicholas LLC. Excerpting any texts from any of these materials without prior authorization is prohibited.
Real Estate Investors	Franchisors/Franchisees
Tell Me More	International Cases
Margin Loans vs LeverageLine	Business Brokers
We Asked/You Answered	Building Business Credit
When Prices Fall	Full Presentation (PDF)
Got Cash? Restructure

Rich Features. Our securities-based line-of-credit programs allow you to trade in your account even while your securities back up your line. You'll get online access and statements on demand, plus the support services of a major SIPC/FDIC-member institution, licensed in all 50 states and many world capitals.

These are premium lines for people, trusts, and companies who value their assets and seek an efficient, licensed, institutional U. S. lending program.

Fast. Enjoy the benefits of a quick-closing credit line against your portfolio with minimal red tape and paperwork. Whether you have $150K or $15M in securities or cash you'd like to restructure into eligible securities, we'll deliver a program that will get the job done not just quickly but also right.

You pay nothing until you actually use your line—making LeverageLine a popular tool for those in need of handy investment cash without the delays of conventional bank (e.g., SBA) financing. (View our comparison chart here).

• View A Presentation

Easy, Accessible. Simply apply online here with a copy of a recent brokerage statement and valid photo ID to obtain an ABN Term Sheet within 24 hours. Return the digitally signable Term Sheet acknowledgement page by fax or email—there is no obligation incurred in doing so—and if you choose to proceed, we will introduce you to your lender, your account will be opened, your securities transferred laterally to your new account, and your lender's bank will open your line. Wire, write checks, or use your debit card—how you access your line is entirely up to you.

Looking for an overall business- or franchise-purchase package? Consider bundling your LeverageLine with equipment leasing and/or full debt-acquisition financing into a one=-stop, comprehensive package. (Inquire Here)

Tradition. We're a family-owned business experienced in every aspect of the stock loan industry, not an impersonal "megacorp" where your significance as a client is in direct proportion to the size of your wallet. We think that when it comes to securities finance, it's just as important to know what not to do, as what to do.

No stocks? No problem.
If you don't have securities that qualify but do have cash (or low-priced, unqualified securities) and would like to restructure them into better securities that are eligible for our credit line, your licensed, lender advisor will be happy to assist. Using your cash can be an excellent way to ensure that your LeverageLine is tailored exactly to your requirements.

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