Does this company outperform the competition as the best place to borrow and invest? – US Global Investors (NASDAQ:GROW), Manhattan Bridge Capital (NASDAQ:LOAN)


Cultivating a culture of saving or investing can help ensure a comfortable financial future.

As simple as it sounds, stashing away money or an asset for future gain can be a daunting habit, as it usually involves some sacrifice.

As the global economy continues to suffer from a number of dilemmas such as the COVID-19 pandemic, the Russia-Ukraine war and high inflation, investment could help cushion shocks as the economic crisis lingers.

types of investments

For anyone who enjoys investing, it might be wise to consult a first financial advisor to guide you and help you identify what type of investment can help you achieve your financial goals.

The advisor can introduce you to popular investment options such as stocks, bonds, mutual funds, index funds, exchange-traded funds (ETFs), and options.

You can also borrow money for the long term — through stock margin loans or investment home loans. A margin loan allows you to borrow money to invest in stocks, ETFs, and managed funds.

When it comes to where you could get such loans, a few names come up – how Manhattan Bridge Capital Inc. LOAN, Oxford Square Capital Corp. OXSQ, US Global Investors Inc. GROW and Mill City Ventures III Ltd. MCVT.

Another type of lender?

Unlike some other industry players, Mill City specializes in investing in the debt and equity securities of public and private companies looking to fund operations, whether to start a business, acquire another business, or fuel growth.

Founded in January 2006, the company reports that its primary focus is investing in, lending to and providing management support to private and public companies.

Over the years, Mill City has found it has provided both secured and unsecured unbanked lending and specialty finance to businesses and individuals. The primary specialty financing solutions the Company offers are high-yield, short-term credit arrangements.

The Company’s loan agreements, which are designed for individuals, business owners, real estate owners, home remodelers and small business owners, occasionally involve the Company receiving collateral as security for the repayment of borrower funds.

Loans provided by the Company typically have terms of nine to twelve months and may involve a pledge of collateral or, in the case of loans to companies, personal guarantees from the borrower’s principals.

type of lending

  • Non-bank lending and specialty finance
  • Asset Backed Loan
  • Billed Debt Purchases
  • Tax Advance Loan
  • Bridging loans for real estate
  • litigation funding
  • Listed companies
  • title loan
  • Opportunistic acquisitions
  • mortgages

Since the start of lending to non-banks in January 2020, the average loan size and the weighted interest rate path have increased year on year. This change resulted from the company’s focus on issuing higher-quality loans, which usually have additional characteristics such as the quality of the borrower and the amount of collateral.

Important investment considerations

  • The management has experience in entrepreneurial ventures and finance.
  • The company is not subject to many of the regulatory restrictions that apply to other traditional lenders or institutional competitors.
  • Mill City operates with low operating costs, which allows for greater leverage on the income statement.
  • Management has a constant focus on shifting the returns of the blended portfolio up and to the right in the context of appropriate risk mitigation.
  • The company capitalizes on inorganic growth opportunities in the market through complementary and value-added acquisitions.

For a bespoke lender, offering customized and tailored loans to meet a client’s needs, Mill City could have an edge over competitors, a key factor being that it is not subject to many of the regulatory constraints that traditional lenders or institutional competitors apply.

Read more about Mill City Ventures below

This post contains sponsored advertising content. This content is for informational purposes only and is not intended as investment advice.

Featured photo of Tinnakorn jorruang on Shutterstock


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