Securities-Based Lending Banking That’s Different for Financial Advisors
Western Alliance Bank’s Securities-Based Lending group brings Registered Investment Advisors and Broker-Dealers the ability to offer clients a securities-based line of credit designed specifically for them. Now, when your clients need to access funds quickly and conveniently, you have a ready answer. Our turnkey product, which can carry your brand if you desire, eliminates the need for your clients to liquidate assets or interrupt your customized investment strategies for them. Not only do their investments with you stay in place, but your clients will experience a simple, streamlined underwriting process with funds typically available within 24 to 48 hours. Importantly, our excellent reputation as one of the best banks in the country is a match for the trust and confidence your clients have in you.
What Sets Us Apart Experts Who Know Your Business
A Dedicated Relationship Manager
We understand your industry and recognize the unique opportunities and challenges facing your business.
We’re known for providing personalized attention. Your single point of contact works closely with you on all your banking needs and connects you with our breadth of resources nationwide.
Responsive Decision-Making Our entrepreneurial people have the acumen and authority to make prudent decisions quickly, with the power to cut through red tape.
Robust Solutions and State-of-the-Art Services We tailor loan, deposit, treasury management and other funding solutions that add value and make it easier for you to run your business.
Access to Senior Management We provide access to bank leadership. Our senior management meets regularly with clients and takes an active role in your success.
Solutions
What We Offer We offer a cloud-based, fully digital securities-based lending solution for you, complete with electronic document delivery and execution capabilities, along with client and advisor web portals to keep abreast of loan facility approval and requests for service.
Banking Solutions for Broker-Dealers and Registered Investment Advisors To support the banking needs of wealth management firms, Western Alliance Bank also offers a wide range of business banking products and services for you. Our vast experience in banking for professional services organizations, like yours, means that everything is designed to respond to your needs and timeline. In addition to Securities-Based Lines of Credit, we also offer:
• Depository Banking Products and Services
Benefits to Wealth Managers Manage Both Assets and Liabilities For Your Clients
• Protect your relationship by preventing
intrusion by traditional lenders that offer competing services — your clients are your own (we operate completely behind the scenes)
• Add value to your relationships with a new way to meet clients’ often significant cash needs
Retain Assets Under Management
• Help clients obtain liquidity for
discretionary or crisis needs while leaving investment strategies intact
Grow Revenue through Enhanced Value
• Add income through revenue
share opportunities within the Western Alliance Securities-Based Lending program
A Must-Have For Recruiting
• Eliminate a barrier to recruiting
advisors who wish to move their book of business, but have clients whose existing loans must be repaid before assets are released
• Treasury Management Products and Services
• Signature / Unsecured Lines of Credit • Commercial Term Loans and Revolving Lines of Credit
• Secured Facilities with Customized Repayment Terms
• Equipment Finance and Leasing Solutions • Products and Services for Personal Banking
Benefits to Your Clients Competitive
Financial Discipline
• Offer rates that may be lower than
• Stay on track with financial goals • Avoid liquidating securities (low
other traditional lending solutions
Tax Efficient
• Avoid taxes on capital gains due to
• Retain control over assets pledged
Streamlined Approval Process
Liquidity
selling highly appreciated securities
• Benefit from quick credit approval relative to other lending solutions
On the next page, please see the full list of industries and business sectors Western Alliance Bank is proud to support with personalized attention, specialized expertise and customized solutions.
cost basis)
Flexibility
• Use proceeds for a variety of purposes, with flexible terms
All offers are subject to credit approval.
as collateral
• Provide easy access with no need to draw down cash reserves
Western Alliance Bank
Securities-Based Lending is part of Western Alliance Bank, one of the country’s top-performing financial institutions. Western Alliance Bank is unique because we offer businesses the best of both worlds: the resources and sophisticated services and solutions
Boundary-less Banking Western Alliance’s unique structure produces seamless banking for businesses, whether they are located in our regional banking geographies or anywhere in the country. Our specialized banking groups are a key part of what makes Western Alliance different, providing tailored, value-added solutions in highly focused industry and business segments. Our cohesive approach puts customers at the center of everything we do, wherever business happens.
of a national bank along with the focus and expertise to deliver thoughtful, sector-specific banking.
Divisions of Western Alliance Bank. Member FDIC. Kenneth Vecchione President and CEO, Western Alliance Bank
“Our passion gives us energy and drive to think big and do more. Our first responsibility is always to our clients, and we bring them expert bankers who know their industry and market. Their caring, consistent and personal touch – combined with providing tailored solutions – supports our customers’ growth ambitions.”
Banking for Business Commercial and Residential Construction
Life Sciences
Restaurant Franchises
Manufacturing and Logistics
Small Business
Franchise Finance
Municipal and Local Governments
Specialized Mortgage Services
Gaming
Nonprofits
Healthcare
Private Equity and Venture Capital
Education
Homeowner Associations Hotels Legal
Professional Services Real Estate Development
Technology and Innovation Timeshare Resorts Wholesale and Distribution
What Clients Say
Our clients appreciate the focus of a highly skilled banker who knows your business, your industry and your market, as well as sophisticated products and an innovative approach.
One of Forbes’ Best Banks in America Year After Year
#1 Best-Performing Among 50 Largest Public U.S. Banks S&P Global Market Intelligence 2020
Western Alliance is a strong and trusted partner for
NYSE: WAL
One of the Country’s Top-Performing Financial Institutions
1,900+ Employees Nationwide
Registered Investment Advisors and independent Broker-Dealers who can benefit from working with a bank that helps you do more for your clients.
Long Term Deposit Rating A2 | Moody’s Investor Service
A | Kroll Bond Rating Agency
WAL Loan Growth 538% WAL Deposit Growth 498%
Donn Mitchell CFO, Foundation Gaming and Entertainment Group
538% Loan Growth
2020 Year-End
“We ruled out the big banks because they don’t give you as much attention. We wanted a bank that understands our industry and our particular business, and that’s Western Alliance.”
498% 398%
256% 211%
Bill Rogers CEO, Homeowners Financial Group
327%
“It’s more than just a banking relationship, I trust their opinions about the business environment. As we’re growing, they help us make sure our growth is sustainable and goes smoothly.”
259%
218% 163% 98% 60% 0% 0% 2010
13% 6% 2011
35% 21% 2012
173%
125%
67%
2014
2015
$937.6 million
in loans directed to 5,948 small businesses
6,071 hours
of community service by our people helped 83 organizations
$358.6 million
in Community Development Loans supported 17,844 jobs and created 358 units of affordable housing
2,916 students
in 29 Title 1 schools participated in 5,355 hours of “Financial Cents” financial literacy classes provided by our bank
donated to highimpact local organizations in response to COVID-19, from PPE for first responders to help for hungry families
$2.3 million
in down-payment assistance grants through the Federal Home Loan Bank put a new home within reach for 112 families
$88 million
47% 2013
Community Impact Across Western Alliance in 2020
$2.2 million
Deposit Growth
318%
Western Alliance Bank has a strong track record for community commitment.
2016
2017
2018
2019
2020
dedicated to new community investments, primarily for school districts serving economically challenged families
It’s not just about understanding the numbers. It’s about a banker who understands your business. A one-to-one relationship with your banker – a banker who truly understands your business – is how Western Alliance Bank delivers on accountability.
Turn to us for expert solutions to meet your Securities-Based Lending needs. To learn more about the Western Alliance Bank Securities-Based Lending group, visit westernalliancebank.com
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