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 a suite of white-label solutions to expand your securities-based lending and private banking capabilities so you can answer your clients’ banking and finance needs. Now, when your clients need to access funds quickly and conveniently, you have a ready answer. Our turnkey securities-based lending 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 Responsive Decision-Making
Experts Who Know Your Business
Our team has the acumen and authority to make prudent decisions quickly, with the power to cut through red tape.
We understand your industry and recognize the unique opportunities and challenges facing your business.
Robust Lending and State-of-theArt Services
Access to Senior Management
You can tap into a full spectrum of tailored loan, deposit and treasury management solutions.
A Dedicated Relationship Banker This single point of contact works closely with you on all your banking and finance needs, connecting you with our bank’s breadth of resources nationwide.
Our senior management meets regularly with clients and takes an active role in your success. We provide access to decision-makers.
Private Banking Solutions Beyond Securities-Based Lending, Western Alliance Bank can work with you to offer your high-net-worth clients a variety of important private banking and financing capabilities. Mortgage Warehouse Lending Through our Mortgage Warehouse Lending group, not only do we provide warehouse lines of credit to mortgage originators – we also buy mortgages and hold them to maturity. We can support Non-QM and portfolio mortgage products developed in collaboration with customers and bring mortgage originators to the table to assist your high-net-worth clients with outside-the-box mortgage loan solutions. Signature/Unsecured Lines of Credit Many of your high-net-worth investment clients value the flexibility and convenience of having signature/unsecured lines of credit for whatever purposes they desire. Our expert bankers can structure a variety of signature lines of credit with terms that meet your clients’ individualized needs and exacting standards. Commercial Banking Many of your investment clients are often also small- and medium- sized business owners structured as S-Corps, LLCs, Family Trusts and limited partnerships. Our significant business banking expertise lets us work with you to offers these clients a wide variety of tailored lending solutions such as commercial real estate loans and working capital lines of credit.
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.
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
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
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
Technology-Focused Solution
• Our cloud-based, fully digital securities-
based lending solution offers electronic document delivery and execution capabilities, along with client and advisor web portals
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
cost basis)
• Avoid taxes on capital gains due to
• Retain control over assets pledged
Streamlined Approval Process
Liquidity
selling highly appreciated securities
as collateral
• Benefit from quick credit approval
• Provide easy access with no need to
Flexibility
Tech-Driven
relative to other lending solutions
• Use loan proceeds for a variety of purposes, with flexible terms
All offers are subject to credit approval.
draw down cash reserves
• Take advantage of easy-to-use
technology that lets your clients manage their loan facility however they choose
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 resources and sophisticated services and solutions of a national bank along with the flexibility and commitment of a bank built to respond to the needs of many specific industries.
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’ ambitions.”
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, valued-added solutions in highly focused industry and business segments. Our cohesive approach puts customers at the center of everything we do, wherever business happens.
Banking for Business Business Escrow Services
Legal
Professional Services
Commercial and Residential Construction
Life Sciences
Real Estate Development
Manufacturing and Logistics
Securities-Based Lending
Mortgage Warehouse Lending
Settlement Services
Gaming
Municipal and Local Governments
Small Business
Healthcare
Nonprofits
Homeowner Associations
Private Equity and Venture Capital
Education Equipment Finance
Hotels
Technology Timeshare Resorts Wholesale and Distribution
Top 10 Best Banks in America Five Years in a Row, 2016-2020 #1 Regional Bank 2019 Bank Performance Scorecard Bank Director Magazine
NYSE: WAL
One of the Country’s Top-Performing Financial Institutions
Long Term Deposit Rating A2 | Moody’s Investor Service A | Kroll Bond Rating Agency
1,800+ Employees Nationwide
#1 Best-Performing 50 Largest Public U.S. Banks, 2019 S&P Global Market Intelligence
418%
WAL Loan Growth 418% WAL Deposit Growth 383%
Loan Growth
383%
2019 Year End
334%
270% 224% 173%
Deposit Growth
306%
259%
208%
155% 106% 67% 40% 0% 0% 2009
13% 4% 2010
20%
89%
66%
37%
17% 2011
2012
2013
2014
2015
2016
2017
2018
2019
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. Western Alliance is a strong and trusted partner for Registered Investment Advisors and independent Broker-Dealers who can benefit from working with a bank that helps you do more for your clients.
Donn Mitchell CFO, Foundation Gaming and Entertainment Group
“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.”
Bill Rogers CEO, Homeowners Financial Group
“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.”
Western Alliance Bank has a strong track record for community commitment. Community Impact Across Western Alliance in 2019
$49.4 million in new community development loans in the bank’s assessment areas
10,280 hours in CRA-eligible volunteer time
$1.3 million in community donations to 178 organizations
$61.8 million in new community investments
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 Western Alliance Bank, visit westernalliancebank.com
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