The Daily Forex Report has an interesting article on a company who offers stock-based loans which are not based business or individual credit. The new type of lending isn’t even based on traditional margin based loans, and offers a more favorable fixed interest rate that is around 3.5%. The company that is behind this revolutionary form of lending is a company that has been active for the last 16 years. Equities First Holdings is the name of the company, and on their resume they have handled over $1.4 billion in global transactions. Alternative lending is still in its baby stage of development, but it will prove to become a common form of lending for companies and individuals who might not qualify for other forms of credit based lending. For some entities, they simply might not want to use business or personal credit for loans.