Employee Stock Ownership Plans

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The Right Solutions

Whether you’re expanding your business or transitioning ownership, find flexible financing that fits with your long-term ESOP strategy.

Experts Make It Easy

Get the market intelligence, current industry knowledge and regulatory best practices you need to navigate an ESOP transaction.

By Your Side

Seasoned professionals—with years of experience working complex deals in various industries—guide you throughout the life of your ESOP.

The Details

Our Expertise

We maintain over 1,200 banking relationships with ESOP companies, including over 600 lending relationships—more than any other US bank.

This unparalleled expertise in ESOP transactions positions us as an industry leader. Let us help you by:

  • Advising on ESOP alternatives
  • Assisting in navigating complex ESOP structuring issues
  • Consulting and financing new and second-stage ESOP transactions
  • Giving advice regarding M&A and corporate finance transactions involving ESOP-owned companies
  • Providing advice on mature ESOP issues, including repurchase obligation and regulatory and compliance matters

Types of ESOPs

Leveraged ESOP

An ESOP is leveraged if it borrows money to purchase the company's stock. The loan may be from a financial institution or the selling shareholder may finance the transaction by taking back a note for part or the entire purchase price.  The sponsoring company usually uses its assets to secure the financing.

Non-Leveraged ESOP

This type of ESOP is one in which annual contributions, up to a maximum of 25 percent of the amount of covered payroll, are made each year to the ESOP in stock and/or cash.

ESOP Trust

The ESOP trust purchases employer stock with the loan, either directly from the company or from its shareholders. The company is then able to make fully deductible principal and interest payments to the ESOP trust that repays the loans. As the loan is repaid, the stock held as collateral on the loan is released to individual employee accounts.

Upcoming Events

2016 Las Vegas ESOP Conference & Trade Show

November 10–11, 2016
Caesars Palace | Las Vegas, NV

The ESOP Association presents the 2016 Las Vegas Conference and Trade Show, November 10 and 11 at Caesars Palace in Las Vegas.

View event about 2016 Las Vegas ESOP Conference & Trade Show

Related Content

Is an ESOP Right for Your Business?

The tax and employee benefits offered by ESOPs make them a succession planning option you may wish to consider seriously—here's why.

Read article about Is an ESOP Right for Your Business?

Is an ESOP Right for Craft Brewers?

Five reasons why an employee stock ownership plan might be the perfect solution for craft breweries.

Read article about Is an ESOP Right for Craft Brewers?

Retiring Ownership via an ESOP

Thinking about your ownership-transition strategy? Here's why employee ownership might be a good option for your business.

Read article about Retiring Ownership via an ESOP

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Find the answers to frequently asked questions about ESOPs.

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Our Capabilities

See how we help companies like yours maximize the benefits of an ESOP in our ESOP Advisory Group Capabilities brochure.

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For inquiries regarding corporations and institutions with revenues between $20 million and $2 billion, or for questions regarding commercial real estate, please complete the form below.

Businesses with revenue under $20 million should contact Chase for Business.




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