When it comes to using your stocks or other marginable securities for financing, we can can say that we know our stuff. Our core team brings many years of experience focused entirely on consumer and commercial securities-based financing.

Welcome to LeverageLine SBL™, the industry's most complete securities-based financing solution for clients of all kinds.

Safety. Surveys showed that investors were tired of brokers and lenders who demanded transfer of ownership and title to their securities in advance of funding, allowing the "lender" to sell their shares whenever they wished and pocket the difference between the sale price and the "loan." Such lenders offered no independent, audited financial statements for securities owners to review. Instead, they asked their clients to 'trust' them.

That shouldn't have been good enough then, and it certainly isn't good enough now. Today's investors wisely demand a stock-secured loan or credit line where their precious assets are not transferred into anyone else's ownership or control but instead reside entirely in their own title and account at a fully licensed and transparent U.S. lending institution where they may still trade in their account as always.

They also asked that their account be SIPC-insured, their lender be a U.S. financial firm with an unassailable reputation and that—unlike nonrecourse stock loan providers—their shares never be sold unless their owner(s) chose to do so.

Clarity. Investors said it was their right to fully understand their financing beforehand. Nonrecourse stock loan providers habitually hid unpleasant rights (such as the right to sell the shares) deep into their contracts to help close their loans. ABN agreed completely. Our Term Sheets have been edited and re-edited to ensure that every line is crystal clear, every statement verified, every promise kept.

Investors said they didn't think they should have to trade superior account security for superior rates and terms. Again we agreed. ABN clients get both, every time, without fail.

Fidelity. Whether a large company looking for a credit line to buy a business in the millions, or an individual looking for a solid low-rate stock loan to fund a college education, ABN is committed to delivering the financing our clients expect.

Stock Loan and Credit Line
Financing Since 1999
┄ Featuring LeverageLine SBL™ ┄
No title transfer. No credit required or reported. No application fees. No high interest rates.
No paperwork delays. No sale of securities.
No unlicensed lenders. No unlicensed lender advisors. No prepayment penalties.

The ABN Advantage: Ten Very Good Reasons

No Transfer of Title: Unlike other stock loan programs, your securities remain in your title, in your account, solely owned by you. A simple lien ensures lender's interest.
No Sale of Your Securities. Unlicensed nonrecourse stock loan brokers and lenders talk of "no short selling"; what they hope you don't notice is that they are in fact selling your shares anyway, which is why you've been asked to transfer title. At ABN, you securities are never sold unless you choose to do so. (Click here to learn about the exceptional risks and legal issues surrounding nonrecourse stock loans from the former president of one such firm. Click here to read FINRA's advice and a warning about the dangers of such programs.)
Impartial: We are never compensated by any lender, brokerage, bank, or other institution. We work for you and act as your advocate.
Lowest Interest: We use our knowledge and experience to consistently deliver industry-best rates. Credit is not pulled or reported by lender, freeing you to obtain bank financing later with no impact on debt-to-asset ratios.

Best LTV: Highest release rates (LTV) in the market mean maximum cash for your needs.
Regulated: 100% licensed, fully regulated, transparent U.S.-based lending institution with FINRA-member advisors in good standing only.
No Red Tape: Fastest lump-sum funding in the U.S. market today. Funds available in 8-14 days on average so you can move quickly.** No undue paperwork delays or qualifying hurdles.
Client-friendly: No prepayment penalties; trade in your account with reasonable value maintenance;* get advisor support at no additional cost; get 24/7 online access and account statements on demand.
Client-focused: ABN offers old-fashioned, small-firm respect for our clients, regardless of net worth.
Affiliates Welcome. ABN offers good compensation, a marketing library, and customized marketing materials for our Registered Affiliates to help you succeed and a superior stock loan program that lets you sleep at night knowing your clients' financing is with a fully regulated, SIPC-member lender.

A. B. Nicholas & Co.
1425 K. St. NW, 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:

Call for Registered Affiliates. If you have an existing network in place for potential clients for our financing facility and a clean background, we welcome you to join us as a Registered Affiliate. Please Click here apply. (Background check required).

Value. 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 full online access and statements on demand night or day, plus the research services of a 100+ year-old FINRA/SIPC/FDIC-member institution, licensed in all 50 states, to support your needs—at no additional charge.

Now at last you can enjoy the outstanding features of an immediate credit line against your portfolio, whether you have $150K or $15M in securities, quickly— within two weeks on average. Plus, you pay nothing until you actually use your credit line—one of the many reasons LeverageLine SBL™ has been such a popular tool for real estate investors who need handy cash without the qualifying hurdles, impact on debt-to-asset ratios, or time-consuming red tape of a bank loan.

View a Case Study

Simplicity. No massive application forms or other hoops to jump through. Simply apply online here with a copy of a recent brokerage statement and valid ID to obtain an ABN Term Sheet. Return the Term Sheet by fax or email — there is no obligation to incurred in doing so — and if your portfolio qualifies and you choose to proceed, your line can be open in as few as eight business days.**

Tradition. We're a family-owned business, not an impersonal "megacorp" where your significance as a client is gauged by the size of your portfolio. We'll take the time to help you understand your financing. We firmly believe in the old-fashioned concept that every client, regardless of net worth, is deserving of the same patient service.

Don't qualify? Don't worry. If you don't have securities that qualify but do have cash or non-qualified securities and are willing to restructure them, your licensed lender advisor will assist you with purchasing qualified securities that will enable you to be eligible for our credit line. Need maximum cash? Restructure into low-volatility securities like Treasury Bills for up to 97% LTV. Seek more growth? Choose stocks that meet your specific growth goals. Either way, you'll still get the best securities-based credit line in the market today.

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*Multiple block trading or day trading may incur additional trading charges/fees. **Most transactions, however, are completed within 14 business days. Fastest funding is for cases where brokerage statement is delivered, account opened, and shares are in electronic format already. Processing factors including conversion of certificates to electronic format by lending institution or prior liens (e.g., tax or divorce liens) which may impact timing to fund or use of an LLC as borrowing party, which can require up to 14 days of additional due diligence prior to opening of line. There is no obligation to proceed with any financing offered through ABN should you apply. Your term sheet is not a binding financing contract. All clients or prospective clients are asked to read our full Disclaimer before proceeding with any financing offered through this site; please do not proceed to use this site unless you have read and agreed to the disclosures provided in the disclaimer. ABN does not offer any form of securities buy-sell or tax advice. Please consult with a licensed professional for questions regarding taxes, financial planning, insurance, or the appropriateness of securities purchasing or selling actions for your specific circumstances. Not a provider of mortgages or mortgage brokering services of any kind. Clients seeking any form of financing are expected to comply with all applicable federal or state tax and/or reporting requirements. The SIPC and FINRA logos used on this page are the exclusive property of the respective organizations and are used for illustrative purposes only. ABN is not a member of FINRA or the SIPC and use of these logos should not imply endorsement by either organization of ABN services, .Leverage Line SBL™ is a proprietary mark of A. B. Nicholas & Co. All correspondence and documentation complies with the A. B. Nicholas privacy policy. Copyright © 2011-2012 ABN. All rights reserved.