Do You Own Equities For Loan Collateral?

Equities First US wants to provide a secure, alternative form of capital available to small and medium sized businesses. Most businesses, if they sought an equity loan, would go see a conventional lender, and that conventional lender would have to check the regulations set forth by the SEC and several other government regulatory agencies. If it gets past them, they will want a business plan as to what the loan is for. In other words, forget it. The conventional lenders will eventually lend on the equities, but it will take weeks to fund a low loan to value ratio loan at a high interest rate.

At Equity First US, it’s a different story. They have a high loan to value ratio — eight per cent on some equities. They don’t ask what the loan is for. The collateral stand good for the loan, not your plans as what you are going to do with it. It’s faster, more convenient, and they are a private loan company, so the government does not oversea what they do. And the interest rate is much, much lower than the conventional lenders.

It is obvious that if an emergency arises, which they do with some businesses, you will need cash fast and conveniently. You won’t have time for the conventional lenders to dilly dally around. You need money, and it is needed now, right now. The only sensible answer is Equities First US. They will get you cash for your equities and get you your money quickly, with no questions asked. Your equities are collateral for the loan, not your business.You can also visit :


The Popular and Successful Bank in Dallas… Learn more about it!

Affordable housing is something that many Americans are searching for today. It is becoming more difficult in this competitive housing market to find the home that you are looking for. This is why it is important to have all of the odds in your favor or at least as many as you possibly can. Nexbank has become a very well known leader in the banking industry. They have recently partnered with non-profit lending provider Dallas Neighborhood homes to bring $50 million dollars worth of lending to those who qualify. This lending will be allocated to low-income buyers who would otherwise have a difficult time finding this type of funding. This will give these individuals a chance to live the American dream and get into a property of their very own.

Nexbank has been on the forefront of banking for quite some time now. Nexbank is committed to bringing high-quality lending to those who might find it difficult to go through the approval process of more conservative lending situations. Nexbank works with each individual to provide them with a lending solution that will fit their own unique needs adequately.

Since 1922, Nexbank has been working one on one with individuals to help them make their dreams come true. Nexbank is well known for their attention to deal when it comes to customer service. There are very few banks that will go to the trouble of finding just what needs to happen for each individual customer. This makes the lending process much easier for each individual and the banker as well. The future looks very bright for Nexbank as they continue to push forward as one of the leaders in their industry. For those who are in need of a great loan, Nexbank can be a very suitable solution to your lending needs.

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63% Of US Retailers Unable To Accept New Microchip Credit & Debit Cards

Omaha, Nebraska-based management consulting firm The Strawhecker Group announced that 63% of United States retail organizations were not able to handle debit and credit cards with new embedded microchips. The inability to accept the new generation of cards positions retailers to be held liable for fraudulent use of the decades-old magnetic stripe debit and credit cards.

The Strawhecker Group presents clients with consultation services concerning electronic payment systems, payment strategies, transaction advisories and consumer spending data.

Problematic for retailers and forms that accepted credit and debit cards as a form of payment, magnetic strip cards have been prone to fraudulent use. To counter and eliminate such abuse, the United States adopted the EMV protocol is based on a contemporary technology that embedded a microchip into a credit or debit card and is a more foolproof method against misuse.

The EMV protocol aptly named after the developers of the card microchip technology, Europay, MasterCard and Visa. The roll out of the contemporary and cutting-edge technology mandated all credit and debit card accepting retailers to upgrade current Point of Sale systems, starting October 2015. Visa and MasterCard pressured merchants to make the switch or they would be held liable for any misuse of magnetic strip cards.

Not only was the push on by Visa, MasterCard, and Europay to have merchants make the conversion but was endorsed by the Obama administration, with the President signing the “Buy Secure” proclamation. With such high visibility to make the transformation, all three card issuers drop the ball and dragged their heels in educating small business owners as to the need and benefit of accepting the new technology.

Not just an issue for small business, even nationally recognized retails have issues developing a cost effective Point of Sale System that was compatible with the new chip technology as well. Slow to respond to the call for transformation were the debit and credit terminal manufacturers, citing that they were unable to adapt to such technology in a short period. To qualm any concerns until they are able to debut the new technology, many terminal manufacturers offered to provide liability protection to customers if any misuse occurred after the imposed compliance deadline of October 15, 2015.

Respected investment banking organization Madison Street Capital of Chicago, Illinois, offers clients financial consultation, opinion and advisory services which include mergers, procurement and gain, capital realignment, reorganization, default, buyout, and placement assistance. Their lineup of clients includes Bond Medial Group, Inc., Central Iowa Energy, LLC, and Fiber Science, Inc.

Marcio Alaor: The Brazilian Bank Executive

Marcio Alaor is an executive of the BMG Bank in Brazil. BMG is also one of the major sponsors of Brazilian football; they have printed the uniform of 39 football clubs. Alaor has done a lot of amazing things in his career. In 2014, Alaor was honored in his homeland as they opened a food court with the name of ‘Food Court Alaor Marcio Araujo’. He was honored because he has done a lot of services to the community of Santo Antonio do Monte.
Food Court Alaor Marcio Araujo
Inaugurated in the 24th of August 2014 in the 33rd Aglicultural Exhibition, the Food Court Alaor Marcio Araujo is a tribute to Alaor for the services he has done for the city. Alaor was especially contributing in the rural sector. As an executive of a big bank like BMG, Alaor made it possible for the city of Santo Antonio do Monte to have the opportunity achieve great things. The city has been growing rapidly. As an addition to the food court, Alaor also received a plaque honoring his attention and love to his hometown and everyone who lives there.
BMG And Itaú
Under the lead of Alaor as its executive vice president, BMG has formed a partnership with Itaú; resulting a bank worth of $1 billion. The creation of the bank Itaú BMG Payroll was greatly celebrated by Alaor as he stated that the bank will operate exclusively in discount lending in payroll, and as an addition, BMG will be able to operate as it is today.
Alaor’s Thoughts on Australia’s Economy
Alaor pays attention to the world economy, and the Australian economy has caught his attention, as well as other economic experts. This is because while most of the developed countries are still trying to recover from the economic crisis in 2008, Australia is an exception; they can control inflation and regulate interest rates. Australlia stood out from the developed countries and even Brazil, where Alaor is from. Sharing his thoughts, he thinks that one of the main reasons is because Australia is a major exporter of commodities. Another thing Alaor mentioned is the fact that Australian Minister of Finance won international recognition in 2011 because he has implemented measures and adjustments in the right time, preventing his country’s economy to collapse.
As the executive of one of the largest bank in Brazil, BMG, Alaor has achieved a lot. However, he does not seek power and he is a great role model to look up for. He will continue to improve BMG and his hometown in the rural and economic sector.

Ricardo Guimaraes’ Leadership Exalts BMG

Ricardo Guimaraes is the heir as well as the President of Banco BMG. He is a successful banker who has been in charge of the family business since 1998. He has managed the bank to become a leader in providing payroll loans in all of Brazil, displaying his outstanding leadership and administration skills. The focus of the bank has been on providing customers who have a low level of default with credit at low-interest rates. This has seen the bank prosper over the years.
Guimaraes is a football fan, and his love for the game goes beyond this. He served as a sponsor and president of Atletico Mineiro Club, a team of which he is an avid fan. He saw an opportunity to use sports marketing as a way to strengthen his brand by spreading awareness. By having the three orange letters printed on the shirts of players all over the country, BMG has gone ahead to receive visibility as a brand.
Sports advertising is a high-cost affair. However, Ricardo Guimaraes goes ahead to justify the huge cost, claiming that the financial returns and brand recognition arising from the advertising outweigh the costs incurred. He also works with impartiality when it comes to the sponsorships offered by BMG. Despite his support of Atletico Mineiro, Mr. Guimaraes states that BMG does not root for any specific team.
Through the many sponsorships offered by the bank, BMG has received brand recognition. This is a natural process as the games that are played are broadcast on national television or observed by an enormous audience from a certain region. Those that watch these matches end up becoming familiar with the brand. Today, BMG ranks as the top sponsor of football in South America’s largest country. It also ranks as the company that enjoys the highest financial returns arising from sports advertising.
Pressure in the market pushed Ricardo Guimaraes to diversify the products that the bank offers, so as to cater for the new customers drawn by the awareness created by sports advertising. To do this, he went ahead to buy two financial institutions, GE Money Brazil and the Schahin Bank. This move saw BMG compete in other areas as well as offer new products. BMG was also able to offer various types of loans, all in a bid to cater to various customer profiles. The sponsorships by BMG also go a long way in increasing the confidence of potential customers.
Source: Agencia Estado

A Family History: A Peak Into the Past of Banco BMG’s President

Ricardo Guimaraes is a notable figure in Brazil, especially in his birthplace of Belo Horizonte, Minas Gerais. His reputation is well deserved considering his position as president of one of the largest financial companies in Brazil, Banco BMG. Although his many accomplishments and accolades since taking leadership of the company in the early 1990s have been praised and heavily documented, a much smaller emphasis has been placed on the history of the mogul. As important as any man’s current success is the path that led him to it. Therefore, to thoroughly appreciate Guimaraes’ success in the expansion of his financial institution, it is essential to examine his business history, and thus, the history of Banco BMG.

Banco BMG was established in 1930 by Ricardo Guimaraes’ grandfather. Upon its creation, Banco BMG was called Bank Credit Building SA. Later the name was changed to the Bank of Minas Gerais SA before finally becoming Banco BMG. The bank initially was a commercial bank servicing small companies and individual households. The bank would enter the field of automotive, wholesale, and retail investments in the mid to late 1980s and would focus on these industries before expanding under the leadership of Ricardo Guimaraes in the late 1990s. Through his expansion efforts, Banco BMG began to become a national brand.

In the summer of 2012, Banco BMG embarked on a unitization deal with another small bank that would have lasting ramifications on the financial institution. The banks entered into a joint venture with one another pertaining to the supply, marketing, and distribution of payroll loans. Within the next two years, the banks had gained significant profits from the payroll loan joint venture, with BMG controlling 40% of the venture and the other bank controlling the majority 60%.

Ricardo Guimaraes participated in a study of Brazilian (in addition to countries all over the world) entrepreneurs in an effort to develop the profile of the typical business owner. This study showed that the four major components that make up Brazilian entrepreneurs include vision, creativity, purpose, and proactivity. The study included about 9000 subjects in Brazil and showed the country’s business owners shared a propensity toward the are of purpose and a weakness in the area of proactivity. These studies helped Banco BMG to cater their loan marketing program to the typical business owner in Brazil.

Throughout the history of Banco BMG, its leaders have held to the company’s core values of supporting the local citizens of Brazil. For this financial institution, this support certainly includes the sponsorship of various local athletic programs and clubs. The company extends sponsorship not only to the local athletic teams in Minas Gerais, but to the entire country. The bank has gained immense exposure and selective branding rights due to its high rate of program sponsorship. Ricardo Guimaraes has expressed the importance of offering support to athletes and programs that are professionally dedicated, disciplined, and show a firm commitment to the goals they set in place. He echoes the sentiments and values of the Banco BMG, a set of values that has been with the historic institution since its inception and is the backbone of the company. To read more about the financial institute’s history visit his wikipedia page.

Madison Street Capital and The World of YouTube

Madison Street Capital is expanded how it gets information out to those interested in taking advantage of its service. The company’s YouTube channel is home to quite a few intriguing videos. A short video detailing “Mergers & Acquisitions” provides an inside look at the work the company does.

Anyone wishing to check the video out can see it here:

For those interested in a rundown, the video covers a few important points.

Madison Street Capital can serve in an advisory capacity to organizations looking to buy or sell. Companies can effectively grow or disinvest with the right steps. Since these types of deals are complicated it is necessary to work with a service that understands how to go about the process in the right manner.

The management team at Madison Street Capital most assuredly are able to handle such high-end deals. The company is an international investment banking firm headquartered in Chicago, IL. The company has worked hard for clients and has delivered services to both private and publicly held businesses.

In the video, the company notes that its goal is to make any merger and acquisition as financially beneficial for clients as possible. Experience in the field is what helps the company’s team follow logical paths towards attempts to achieve this goal.

The video also goes into detail regarding the company’s philosophy as what how “greatest success is realized”. Upon viewing the video, those curious about how Madison Street Capital operates will gain an revealing insider’s perspective. The video truly shows how the company defines itself.

Even Today Its Still More Then Enough

Lesson From YouTube
No This article is not pulling your leg today you are going to learn something from the online video site.What you are going to be learning is the details from the interview of BMG Bank CEO & President Ricardo Guimarães:So with all that said lets begin shall we.
Recap Of History
In the year of 2003 the country of Brazil for the first time in a long was once again begging to see the bright side of fate.What this means is that they were as a country were advancing in areas that they had not before.So with all of the public issues being solved what did this mean for the banks?Well it meant that they would be able to make big money off of the good times without question.

BMG Roles
It would be within this time banks like BMG would see the time to strike with methods that would allow both the bank and the people to have their own little piece of the pie.This piece would be credit that even today after all of the years is still going strong within the communities.
Why the credit rates are going so well is due to the fact that BMG have made their personal credit rates easy for anyone with a stable job to get their hands on one.Over the years this has allowed BMG to make well over 80 Billion dollars with well over 7 billion more in other areas of their market categories.

Going Strong
With all of the success were does BMG stand today with so much work being thrown around?Well BMG is still being a powerhouse of the credit market by surpassing more banks then any other without even breaking a sweat.How is this even possible well because even after all of the work that has been done with the credit market.There is still over 50 percent left untouched leaving more then enough room for years of work to come.

The key factors behind all of this around the clock hard work is due to the fact that two groups of people come into play.First will be the man himself BMG Bank CEO & President Ricardo Guimarães: who since the year of 2003 has seen the work done by this proud bank.The second will be the team of experts that have taken the time to make this all happen.

The Growth and Development of Banco de Minas Gerais Under Ricardo Guimaraes

The economy of a country cannot survive without the presence and services offered by financial institutions. Commercial, retail and investment banks have been offering innovative products and services to companies, individuals and governments. Banks play a crucial role in the economy by facilitating the supply of money.
Banco de Minas Gerais (BMG) is a large financial institution found in Brazil. It was formed in 1930 by the Pentagna Guimaraes family, which owns and fully controls it. Initially, the bank was referred by its business name, Banco de Credito Predial S.A. The over 80 years of experience has made BMG the most respected and trusted bank in Brazil. From its conception up to the mid 90s, the firm’s area of focus was light and heavy vehicle financing besides wholesale and consumer financing. Provision of these services enabled the firm to register a large consumer base. The firm decided to venture into payroll services and this portfolio has seen the firm continue to on its excellent performance in the market.
BMG has a trusted and reliable board of directors whose job is to help integrate quality governance practices in the bank’s operations. The board also establishes initiatives that are meant to help in the governance and operations of the bank. Their initiatives include the independent internal audit, the strategic investor relations department and the Anti-Money Laundering program.
BMG hires talented and skilled professionals who have a hard work ethic and love their jobs. The leaders of BMG have a good working relationship with their subordinates. Ricardo Guimaraes has been highly associated with the success story of BMG. He has worked in the bank since 1980. He is a payroll service guru. In 2012, he spearheaded an agreement with Itau Unibanco. The objective of the agreement was to spread the distribution and commercialization of payroll in Brazil. The brief partnership was so successful that BMG decided to enter into a new agreement with Itau in 2014.The partnership led to the creation of Banco Itau Consignado SA whose purpose was to strengthen the existing partnership between the two companies. BMG has a 40 % capital voting stock while Itau Unibanco owns the remainder.
The firm offers cash and credit solutions to individuals, corporate and enterprises. Currently, the services offered by BMG include, payroll credit card, home equity loans, commercial bank services besides financing of suppliers and used vehicle financing. The firm has a credit committee that handles all credit decisions. Ricardo Guimaraes made the decision to create the committee so that the financial professionals would be responsible for efficiency in the credit department.

What has BMG Done To Stay Afloat Of Competition?

With an outstanding and lengthy history, BMG possesses a sturdy expertise in all its features stretching from its operational activities. There are many gains accrued from the competitive edge they have over other organizations in the same industry.
BMG has a brand name that is strong and has been acknowledged by many. With slightly over 80 years of constant performance in the financial sector, BMG tops the list of the credit marketplace, working closely with people and financial institutions, as well as entities in the public and private fields, home equity loans, providing loans by payroll credit card, financing used vehicles and providing fiancé to medium or large companies.
BMG has a risk profile that is conventional. It has a strict as well as conservative credit strategy that is regularly revised to ensure that the conditions in the marketplace are met. In addition, the bank provides efficient and effective assessment, formalization to be able to guarantee its agility and security.
The culture in BMG is not only pioneering but also entrepreneurial. All through its history, this bank has come up with the entrepreneurial and pioneering culture, being amongst the initial entities to give payroll loans to public workers, pensioners and retirees in the Brazilian Social Security System (INSS). It was also the first to launch several new products such as the payroll credit card, invested in technical advancements and developed its own platforms and systems that have set the benchmark in the financial market. The corporation also sought funding structures that would go well with the quality of their organizational profile.
BMG deliberately came up with techniques on corporate governance to be able to professionalize the management, hence adding not the business sustainability and drawing more clientele and investments. Among these initiatives is that on a good performance and came up with directors’ board with about 40% of them being independent, including the president; an active and a strategic department on investor relations; and independent department of internal audit. All these techniques went a long way in ensuring effective and fast service.
Marcio Alaor occupies the position of vice president at Banco BMG. He is also part of the board of directors at BMG. He has been working with the bank since 1977 but became BMG’s vice president starting in 2004. He was behind the centering more on payroll loans back in the 1990s. Through his management, BMG has blossomed into the best financial institution in Brazil.