Equities First Holdings is a great investment group that is growing as a bank as well when other places are turning more and more people away. Because this is one of the companies that still loan out to people that don’t have a credit score it is growing at a rapid pace because the other banks are raising interest rates and turning so many people away when they don’t have great credit. But the company is still not making a huge risk because of the fact that they have stock-based loans where the loan is based on the collateral of the stock. So the loan is secured instead of unsecured debt allowing them to give their customers an interest rate that banks just can’t compete with. While some people don’t want to use anything for collateral on a loan more and more people are seeing the benefits of this type of loan process.