The alternative lending universe has seen a lot of different changes over the years. One of the most significant changes over the last sixteen years is the development of stock-based loans. The alternative lending sphere has always had a lot of different options for customers, but stock based lending has a lot of advantages over other forms of collateralized loans. One of the major advantages that comes with stock-based loans is that clients can have more favorable payment plans. The payment plans for a stock-based loan can be a lot longer and more flexible. Stocks have the ability to increase and decrease in value, and this will determine the interest rate, and the loan-to-value ratio that will be used to borrow money is also determined by market value. It is also because of the nature of stocks to increase in value that longer payment plans are possible. Equity First Holdings is one of the best companies to contact when you are looking to learn more about stock-based loans.