The Motley Fool

SEPTEMBER 6, 2023

With an unsecured loan, a borrower does not have to put anything of value up as collateral. On the other hand, a secured loan requires collateral, such as artwork, a classic car, undeveloped property, or any other asset that a bank can take possession of and sell if the borrower fails to make payments.

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Private Equity Wire

JANUARY 13, 2025

Bryan Barreras, Counsel at Cadwalader, Wickersham & Taft, who represents NAV lenders, argues that the debt carries less risk than many assume, as loans are typically secured by collateral valued at three times their amount.

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The Motley Fool

JULY 30, 2023

Consider a secured personal loan If you have assets such as a car, property, or valuables that you can use as collateral, you may be able to get a secured personal loan. A secured personal loan allows you to use your assets as security for the loan, and if you fail to make the payments, the lender can take possession of your collateral.

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The Motley Fool

APRIL 15, 2024

Its fellow power pack specialist, Freyr Battery (NYSE: FREY) , managed to escape significant collateral damage, but its stock's flat performance on the day wasn't inspiring. Next-generation EV battery developer QuantumScape (NYSE: QS) also took it on the chin, with its market value eroding by almost 7%.

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The Motley Fool

AUGUST 30, 2023

Breakfast Talk: With a Fed intent on slowing down inflation, even at the risk of some economic collateral damage, it's not necessarily a surprise to see a corresponding rise in delinquent loan payments and poor consumer confidence.

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FinSMEs

FEBRUARY 18, 2025

Road Town, BVI, 19th February 2025, Chainwire The post Diffuse & Symbiotic Partner to Introduce Collateral Abstraction in Decentralized Finance appeared first on FinSMEs.

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The Motley Fool

DECEMBER 6, 2023

Secured debt is debt backed by collateral, which helps reduce the risks associated with lending. Most of the fund's debt investments are in first-lien loans (over 98%), meaning it has the first claim to collateral if a company goes under.

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The Motley Fool

OCTOBER 20, 2023

In a note this morning, The Fly described Truist's move as mere collateral damage from the bank's broader feeling that aerospace stocks are being stressed and that airplane production this year is looking about 7% weaker than predicted. But that's not the only problem bugging Virgin Galactic investors this week.

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The Motley Fool

SEPTEMBER 7, 2024

AGNC's leverage increases risk In the company's 10Q (which is its quarterly report to the SEC), it states that: We pledge our securities as collateral under our borrowings structured as repurchase agreements with financial institutions. There's a lot to unpack there.

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The Motley Fool

AUGUST 23, 2024

Lines of credit can come in the form of a personal line of credit, which relies entirely on your personal credit to qualify, or a home equity line of credit (HELOC), which uses your house as collateral. The requirements to qualify for a line of credit depend on the type you get as well as the lender you choose.

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PE Hub

JULY 11, 2023

The facility will be collateralized by certain accounts receivables originated by a subsidiary of Bausch Health. The post KKR provides $600m facility to Bausch Health Companies appeared first on PE Hub.

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The Motley Fool

OCTOBER 28, 2024

In the second quarter, it completed a pair of collateralized loan obligations ( CLOs ) that further diversified the portfolio away from the cyclical mortgage industry. At the time, the alternative asset manager had assets totaling $34 billion under management. The Sculptor portfolio continues to reduce reliance on mortgage servicing.

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The Motley Fool

MAY 4, 2024

Its revenue comes from the interest it collects on these bond-like securities, often called something like a collateralized mortgage obligation. But Annaly is a mortgage REIT, which means it buys mortgage loans that have been pooled into bond-like securities. Image source: Getty Images.

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The Motley Fool

SEPTEMBER 7, 2023

Secured loans are those where you pledge collateral, while unsecured loans are those guaranteed only by your word. You can use these assets to get a secured personal loan When you get a secured personal loan , you must pledge collateral to gain approval. If you pay as promised, you keep the collateral.

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The Motley Fool

JULY 1, 2023

Lenders are not required to request collateral for loans up to $25,000. However, a lender will use its standard collateral policy for loans over $25,000. For example, other than SBA Form 1919, you'll be required to fill out the lender's own forms and follow its loan procedures. And it's the lender that makes the final credit decision.

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The Motley Fool

JULY 12, 2023

See, lenders require appraisals because they want to make sure the home is valued highly enough to serve as collateral for the loan. And, since there is a lender involved, I'm unfortunately going to need to pay for an appraisal this time around. An appraisal is the most objective tool they have to do that, so banks rely on them.

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The Motley Fool

SEPTEMBER 15, 2024

That will further reduce its total assets, and reduce its financial flexibility to borrow money at an attractive interest rate, as it will have less collateral. So, at least in the near term, expect it to sell off more of its equity investments to make up for its losses, as it has been doing over the last few years.

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The Motley Fool

AUGUST 4, 2024

You do so by having collateral, a good credit rating, a solid business plan, and a great team (if that is what your new business will require). Bank loans and lines of credit Banks want to lend you money. That is their business. Your job then is to make their job easy.

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The Motley Fool

AUGUST 28, 2023

But with a HELOC, your home is the collateral backing the loan. HELOC loans carry enormous potential Moving to increasingly secured loan categories, Upstart is just beginning to test home equity lines of credit (HELOC loans).

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The Motley Fool

AUGUST 20, 2023

Banks that hold commercial real estate as collateral could be in trouble as those holdings become less valuable -- in three words: bad for banks. When consumers default on loans, lenders (banks) are forced to swallow losses. Plus, high interest rates could cool demand for commercial real estate, dropping sticker prices.

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The Motley Fool

FEBRUARY 8, 2024

These loans don't require any collateral and give you a predictable monthly payment. Then, you can go back to using the extra cash however you wish. Consider a personal loan A personal loan might be a good fit if you have credit card debt. But you won't have to worry about your balance ballooning each month, like you do with a credit card.

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The Motley Fool

JULY 10, 2023

Hindenburg was also critical of Icahn's habit of pledging his company's shares as collateral for his personal margin loans. Icahn owns 85% of the company, and about 60% of his shares were pledged as collateral for personal loans. Icahn was largely dismissive of the claims, but he is apparently acting in response.

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The Motley Fool

JULY 29, 2023

Mortgage REITs buy mortgages that have been cobbled together into bond-like securities, often called collateralized mortgage obligations (CMO). This is vastly different from property-owning REITs, which are fairly simple to understand using kitchen table finance. Basically, you buy a property and rent it out.

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Private Equity Insights

NOVEMBER 16, 2023

The New York-based investment manager is planning to raise funds through collateralized loan obligations (CLOs) secured by the loans held by its flagship $52bn private credit fund, the report added, citing documents viewed by the newspaper. Blackstone did not immediately respond to Reuters’ request for comment.

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The Motley Fool

JULY 15, 2023

These cards require an upfront deposit -- usually about as much as the card's credit limit -- which serves as collateral if the cardholder defaults. If possible, pay down credit card debt and keep credit card usage to no more than 30% of your total credit. One way to build credit is to get a secured credit card.

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The Motley Fool

JANUARY 9, 2024

Annaly buys mortgages that are pooled into bond-like securities, often called something like a collateralized mortgage obligation (CMO). But these two REITs aren't doing the same thing at all when you look at their actual business models. Image source: Getty Images. Realty Income buys physical properties that it leases out to others.

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Private Equity Insights

AUGUST 16, 2024

An asset-backed securitization is a financing structure where some assets of a company are used as collateral for the issuance of notes or bonds sold to investors. In the case of energy operators such as Maverick, the collateral is revenue tied to its future oil and gas production.

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The Motley Fool

JULY 10, 2023

Vacation time as loan collateral A tiny financial services company in Minnesota is letting people use PTO for a unique purpose. As reported by the Star Tribune , LLFS has a program where personal loan borrowers can use their vacation time as collateral. But is it a good idea to use PTO for anything other than a much-needed rest?

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The Motley Fool

AUGUST 16, 2023

In 2022, Verizon produced $37 billion in cash from operations but spent $29 billion on CapEx, licenses, and collateral. This makes Verizon much less attractive. Is Verizon's dividend safe? Dividends paid were $11 billion. The math is easy. Verizon did not make enough free cash flow to cover the dividend and was forced to issue more debt.

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The Motley Fool

JANUARY 30, 2024

Other possible income streams include a reverse mortgage , where you receive a lump sum or regular income from a lender -- using your home as collateral. Annuities are another possibility. Strategies for not running out of money It also helps if your income streams are ones that grow over time.

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The Motley Fool

JUNE 18, 2023

Plus, you don't need to provide collateral for some loans. SBA-guaranteed loans typically have rates and fees comparable to non-guaranteed loans, meaning you won't overpay. And benefits may include a lower down payment and flexible overhead requirements. There are more than half a dozen loan types from which to choose.

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The Motley Fool

JANUARY 10, 2024

And such REITs often employ leverage, usually using their loan portfolio as collateral, to enhance returns. Investing in mortgage securities is an entirely different ball game, given that REITs like AGNC Investment generally own securities that have been created by pooling together individual mortgage loans.

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The Motley Fool

MAY 9, 2024

If you plan to apply for a business loan, how much will you borrow and what will you need as collateral? Use the work you did in terms of structure and marketing to identify key costs. Top accounting software might help you to map out your financial needs.

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The Motley Fool

FEBRUARY 17, 2024

It involves receiving a lump sum or regular income from a lender via a loan -- using your home as collateral. Reverse mortgages: A reverse mortgage is another way to secure reliable income for retirement, though it's not a strategy that will work for all. Read up on them if you're interested and weigh their pros and cons.

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The Motley Fool

FEBRUARY 26, 2024

It involves receiving a lump sum or regular income from a lender via a loan with your home as collateral. Your home -- via a reverse mortgage A reverse mortgage is another way to get passive income.

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The Motley Fool

SEPTEMBER 27, 2023

Once on the brink of bankruptcy , a debt restructuring plan temporarily reduced its interest costs as Carvana offered assets up for collateral in exchange for debt relief. Carvana Carvana (NYSE: CVNA) is up an astounding 730% year to date. This buys Carvana two years to build the used car retailer into a sustainable business.

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The Motley Fool

SEPTEMBER 17, 2024

By enabling Bitcoin to be used as collateral or for other DeFi purposes, its value can be further unlocked, potentially leading to big gains in the crypto's price. This enables new use cases like lending Bitcoin to earn interest, borrowing against Bitcoin holdings, and even participating in yield farming, or lending crypto to earn a return.

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