Whether you’re expanding your business or transitioning ownership, find flexible financing that fits with your long-term ESOP strategy.
Get the market intelligence, current industry knowledge and regulatory best practices you need to navigate an ESOP transaction.
Seasoned professionals—with years of experience working complex deals in various industries—guide you throughout the life of your ESOP.
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:
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.
September 8-9, 2016
The 2016 Midwest ESOP Regional Conference is at the Pfister Hotel in Milwaukee on September 8 and 9, 2016.
The 2016 Multi-State ESOP Regional Conference is at Mohegan Sun Pocono, Wilkes-Barre, Pennsylvania, September 14 and 15.
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.
It’s never too early to start thinking about your succession plan. Explore your transition options and gain expert insights in our latest webinar.View webinar about Business Ownership Transition Webinar
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
Find out what to do now if you want your family to run your company in the future.Read white paper about Ownership Transition for Families
Find the answers to frequently asked questions about ESOPs.Learn more about FAQ
Join our thought leaders for their perspective on dynamic business environments, a challenging economy, and evolving risks and regulations.Learn more about Events
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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