Investment Financing

Do you need funds for your children's education, to improve a home or buy a second one, or to finance a new business venture? Perhaps you've thought about liquidating assets for a large tax payment, to purchase additional investments, or to make a large purchase or a charitable donation.

For many people, personal credit comes in the form of unsecured personal bank loans and credit cards. These forms of credit often come with annual percentage rates of 18% or more. The rates are high because no collateral is put up to secure the credit. Too often, the asset side of the balance sheet is overlooked as a solution to financing needs. In many cases, appropriate securities-based or home-equity-based financing could cut the cost of credit significantly.

Every day is filled with new investment opportunities. You can't always predict or expect them, but you can make the most of them. You have to be able to seize the moment. But what if the timing is not right because you don't have cash readily available?
Flexibility: It's what you need to make the most of your investment strategy. And it's why many investors choose margin credit, which offers access to funds for your immediate needs.

Your purchasing power is the amount of credit available based on the value of your eligible investments, which you can access at any time.

Most investors use investment financing, or "margin," to diversify their portfolios, meet business liquidity needs or take advantage of timely investment opportunities. But you can also use it like an emergency loan for unexpected or short-term personal, family or business needs, such as major purchases or consolidating expensive credit.

With margin, you capitalize on and are in control of your own resources, which gives you opportunities to boost your investment returns.
Of course, pledging securities as collateral involves special risks of which you need to be aware.

Stock Option Programs and Financing

If you have been granted employee stock options, Allegiant Financial offers a Stock Option Financing Program that enables you to exercise these options with either no cash down or, a minimal cash deposit. Your Allegiant Financial Advisor can help you determine which of our three stock option finance methods best meet your financial needs. The first method is to purchase the stock on margin. The second method is to sell enough stock to cover the total exercise cost and keep the remaining stock in your Allegiant Financial Account. The third and final method is to sell the full quantity of stock to cover the total exercise cost.

Benefits

• With three different financing options, you have the flexibility to sell or retain all or a portion of your newly acquired stock.
• You can invest in your stock options while maintaining your current liquidity.
• Enjoy the convenience of a hassle-free financing process with the assistance of your Allegiant Financial Advisor.
• Take advantage of the competitive interest rates on borrowed funds and deductible investment interest expense.

Features

• A choice of financing all or part of the cost to exercise your employee stock options
• Financing arrangements that allow you to exercise an option in a timely manner.
• A streamlined enrollment process requiring minimal time and paperwork.
• A choice of liquidating all, part, or none of the securities you are purchasing