A. B. Nicholas (ABN) is a private Washington D.C.-based firm that works solely with securities-backed financing managed by regulated, licensed U. S. institutions and fully licensed lender advisors in which the client retains full control and ownership of his/her assets at all times, and the asset(s) are never sold to fund the line of credit.
Our role at A. B. Nicholas is to put you in a position of sufficient knowledge to determine whether the program we provide meets your expectations and needs. We seek to ensure that, to the best of our ability, you have all your questions answered and that you are fully qualified to participate in this lending program. We answer questions, as we are familiar with the program in all its dimensions having built it. We educate about the dangers of nonrecourse stock loans and other shaky financing options. With over 25 years of collective experience in financing, ABN and its staff are well-prepared to ensure that you stock loa or luxury asset loan program is the best the market can offer.b>
We do not, however, establish terms, write contracts, handle any asset at any time in any manner, nor engage in any activity that is the sole domain of the licensed lending institution that manages our LeverageLine program. We act as an experienced client information and support resource not a broker. Once we've done our job, we step out of the way and let the licensed lending institution take over entirely.
That doesn't mean we aren't still involved. We monitor your financing, ensure that it is precisely as represented, and remain our clients' advocate. At all times, we welcome feedback and constructive criticism; if there's a way to do our job better, we want to hear it.
Unlike other firms that offer a wide array of financing forms and types, ABN offers no private placement, transfer-of-title, hard money, nonrecourse, mortgage, project, or other lending arrangements using any instrument other than securities (or, if the client so desires, cash restructured into eligible securities by the lender's licensed CFP advisor, in consultation with the client). Moreover, A. B. Nicholas opposes any program where there is any type of loss of asset ownership in order to receive funds. We do not offer and actively, publicly oppose any form of unlicensed, non-FINRA, nonrecourse stock loan financing for example, or any program involving the transfer of collateral securities' title or a sale of the asset prior to funding the client.
Our focus therefore is on licensed, regulated SIPC/FINRA programs that firmly protect the client's ownership of their asset while still providing superior, competitive financing. The extend of a lender's involvement with our clients' securities should and must be limited to a simple lien on an account. Nothing more, unless the client borrower chooses to expand that interaction (e.g., through choosing to have their brokerage management their securities)
A. B. Nicholas is never compensated by any lending institution at any time, directly or indirectly. We have no incentive to "route" our clients to any particular lender. That means our emphasis is always on the satisfaction of our clients.
Because of our extensive experience in and knowledge of all sides of the consumer securities finance industry, we're trusted by most of the biggest and more respected franchise brokering and commercial real estate organizations, which appear on our organization partners page here. We understand that considering a loan against one's portfolio of stocks is an important decision for a broker, client, or financial adviser alike; our job is to exceed our clients' expectations. A. B. Nicholas strives to ensure that our clients have the confidence and security of a conventional licensed U.S. institutional brokerage and top-notch lender-provided licensed advisory services, while enjoying the wholesale rates and other features common to private placement financing. In short, the best of both worlds. We are uniquely qualified to do so.
Top-tier, custom, inexpensive, fast, wholesale, licensed lending with no transfer of title to your assets and no sale to fund your line. That's the result of the work that A. B. Nicholas has undertaken to deliver the market's best financing to you. Get your free, no-obligation LeverageLine™ or LuxuryLine™ loan quote term sheet today