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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.
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.
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.
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Find the answers to frequently asked questions about ESOPs.Learn more about FAQ
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See how we help companies like yours maximize the benefits of an ESOP in our ESOP Advisory Group Capabilities brochure.Learn more about Our Capabilities
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