Today we review a very interesting company named TLJ Group. What is TLJ Group? How does it work? Is it legit? Is this your best alternative out there if you are looking to get a loan? This and more we will help you answer in this short review. Ok, with that said, let´s look into it!
Company: TLJ Group
Owner: Stephen Decker (president) & Stephanie Melenciano (Founder)
Who is it for: Loan takers who want to cut the bank out of the mix
Recommended: Yes! (but NOT for everyone) See further down in review
Overall rating: (4.6 / 5)
See If You Qualify For a TLJ Loan on This Page
What is the TLJ Group?
TLJ Group is a boutique consulting firm focused on holistic advisory services. The team provides three concrete services available to individuals and organizations that include leveraged equity loans, ad-hoc advisory services and the TLJ podcast (www.tonteriass.com). Although the Group was formally constituted in late 2020 the team has over a decade of experience helping clients reach their goals in all aspects of life and business. The group was formed to give more structure and strategic focus to the services that were already being provided through contractual projects.
They are based in Madrid, Spain yet have a global footprint from the experience gained in various projects across all continents. Their hallmarks are common sense, a holistic approach and a no-nonsense philosophy. They are advisors helping clients create their solutions to the challenges facing them. Their role is to provide the support and perspective each needs to not only find answers but remain successful in the long run. Success is not a destination rather a journey characterized by growth. Recent clients represent the following sectors: artificial intelligence, virtual reality, circular economy, silver economy and ecommerce.
Common sense is basic but seldom used and increasingly rare to find. Their approach with clients of all walks of life and business sectors is to foster the use of this trait. In doing so, they help customers to see the problem from different points of view and to take a myriad of factors into consideration. Strengthening the observation and reflection capacity of each person enables for faster resolutions and more long-term results.
Holistic. Life is multifaceted hence solutions should also reflect that reality. The team has developed the Pretzel Happiness ® methodology serving as the first assessment of the client. It takes into account the body, emotions, mind and spirituality of the person. At times, there is resistance to having such a global view, but in little time it become evident the relevance of all the areas and how each plays a role in goal attainment.
A no nonsense philosophy guarantees customers that they will say things as they are and not as they want them to be. In an era of hyper political correctness, passive aggressiveness and empty platitudes, they strive to be respectful but direct to help save client’s time and money. Moreover, this approach aims at delivering the hard reality even if difficult or unpleasant precisely because it’s so rare to find in the current climate. If they are not the firm for a particular challenge, the client knows right away in order to help him/her find the professional that is best suited for their needs. They respect their time and that of their customers.
The services are designed to help people live their fullest lives thus improving systems and creating a more prosperous world for all.
Who is this for?
The Group works with individuals and companies from all walks of life and corners of the globe. Since the services are ad-hoc yet concrete, they attract a broad range of people. For the leveraged equity loans and advisory services, the customer tends to be a company owner or other leadership profile. The podcast on the other hand has a wider audience since the topics range from relationships, sexuality, money, spirituality and some current events. Leveraged equity clients are primarily concerned with working with a reputable lender. Since this product is powered by Stone Creek Global (www.stonecreekglobal.com) they benefit from working with the #1 Private Lender in the market. Additionally, since many transactions close within two weeks, they can have their liquidity needs met in record time.
The advisory services tend to draw individuals undergoing life changes, these can be relational, professional, health and geographic.
How does it work?
To understand how they work, let’s break it down by service. All services begin with a complimentary exploratory session that can be via phone, in person (location permitting) and video conference.
Leveraged Equity Loans
A client with publicly traded securities schedules an exploratory call. Here’s a link to the stock markets they support (https://www.globexmarkets.com/exchanges.html) In the call, the team learns more about the client’s needs and basic information is gathered. During this session the form is completed to submit to underwriting to know if the securities in question qualify for a loan. Based on the review from underwriting, the information is shared with the client. If the report from underwriting is favorable, the client decides if they would like to move forward or not. If the client chooses to move forward, loan documents are prepared for their review and approval. Once those are approved by the client, a custodian account is opened, shares are moved, statement is issued, and the loan is funded. It’s a very straightforward process and the client receives all the information in writing including funding schedule for their loan. This level of integrity and transparency is rarely found in the industry making SCG a leader in this space.
In the exploratory call the client shares the goals and objectives that s/he would like to attain. Based on the information shared with the team, they’ll either prepare a proposed work plan or offer suggestions of tasks to employ or other references that may be better suited to assist with their goals. Each client is different thus the proposal is tailored to their needs. Services can include one on one sessions, on-site training and in-house observations. There also exists the option of scheduling a one-time session. These sessions have a duration of 90 minutes and the client determines how they want to use the time. Typical uses include bouncing off ideas for a project or getting concrete advise on a particular matter.
The TLJ method focuses on an inward change, outward manifestation approach. In other words, to see external changes there must be internal calibrations to be made.
All of their services include the highest degree of confidentiality, protecting the client’s privacy is always a priority.
Tonterías Las Justas (TLJ) from the Spanish expression for no-nonsense is a weekly podcast covering subjects from money, sex, relationships, spirituality and current events. It is designed to be a quick dose of common sense to help people live fuller lives. Each episode is less than 15 minutes and they are available on SoundCloud (https://soundcloud.com/tonterias) and in English and Spanish. They are lighthearted, direct and not politically correct. It’s ideal for the person that doesn’t have much time to dedicate to personal development, but a weekly reminder of the basics can help keep him/her on track.
The service offered
Leveraged Equity Loans, also known as stock loans, are a loan against a stock. Factors that make this unique are that they are a non-recourse loan. In other words, the customer can walk away from the loan at any time and the only loss to him/her is the stock. The securities are the only guarantee for the loan, thus the only liability. It works as any other loan in the sense that the client pays back the loan and is returned their securities. However, in the rare cases that the shares have lost significant value and the cost of paying back the loan supersedes its value, if the client decides s/he can walk away from the loan with no additional repercussions. Furthermore, to qualify there are:
- No credit reviews
- No personal guarantees
- No personal income statements
- No business statements
- No business income to get a loan.
- There are no upfront fees, and the client can decline the transaction at any point prior to receiving the wire transfer into their account.
Who is the owner:
SCG’s president is Stephen Decker. The company has been in business for over a decade providing clients across the globe with the best-in-class service as the #1 Private Lender in the market. The leadership and operations team are comprised of industry experts in lending, banking and financial services.
TLG Group was founded by Stephanie Melenciano (www.linkedin.com/in/smelenciano), business operations consultant, psychologist and sex therapist with over a decade of experience. Her broad approach to problem solving yields extraordinary results both in the professional and personal space. Services may be provided directly by her or by the network of subject matter experts equipped to provide the highest quality service to the end client. TLJ Group collaborates with SCG as a broker and has seen firsthand the benefits of this product in its clients.
Can anybody in any country use this service?
Securities listed in most mayor stock exchanges qualify with the exception of the US. Clients from all over the globe are helped daily to solve their complex puzzles.
Is TLJ Group Legit?
Although TLJ Group as a formal entity is relatively new the services that are provided are backed by leaders in the market, years of experience and a solid track record of excellence.
The PROs & Cons
As with any entity there are pros and cons. TLJ Group is no exception as there are no perfect companies rather ones that can better or worse meet a client’s expectations or needs. Below is an overview.
- SCG powered stock loans have over a decade of success. Market leader.
- Highly specialized yet adaptable team to innovate with the client to craft solutions
- Led by a culturally savvy, renaissance professional
- Broad network of subject matter experts
- Honest and transparent approach and prices
- No risk trial is available
- The no nonsense approach is a big plus (at least in my book)
- Due to the dimensions of the team, some projects cannot be accepted
- In the advisory services, clients that aren’t committed to growth will not find a fit
- Leveraged equity loans – OTC and US stock market aren’t supported
- New group so there is little name recognition.
What separates TLJ Group from its’ competitors?
Their unique approach to problem solving and looking at the world enables them to help draw out the best of clients thus empowering them to craft their most innovative solutions. Furthermore, since reaching a goal is only part of the equation, the other challenge pertains to maintaining and improving upon achievements. They look at the long view of life from the perspective of the whole person. The Pretzel Happiness ® methodology (www.pretzelhappiness.com) gives the client a full view of their situation and key areas that can be improved upon to increase overall quality of life.
Do You Own or Represent TLJ GROUP?
If you are a representative, or associate of TLJ GROUP and have found something not to be correct in this review please, feel free to tell and I will make sure to update the info on this post. The easiest way to do it is in the comment section below or simply by sending an e-mail to firstname.lastname@example.org
Final words & Verdict
Overall rating: (4.6 / 5)
For clients with securities and in need of extra liquidity for any purpose, SCG through TLJ is the best option. The team will walk them through the whole process ensuring that they receive the liquidity they seek in record time and with all the guarantees in the market.
Individuals and leaders looking to go the next level or maintain the success they have attained can count on the support of a team dedicated to their goals; and a methodology that greatly reduces blind spots that can later on sabotage success.
The TLJ Group although a small team has certainly won my trust through their excellence and transparency.
I hope you found this review of TLJ Group to be helpful and that you now have a better idea of what it is and if it is something for you. If you have used their services then please share your experience below as it can help others! Also, if you got any questions about this then I would be more than happy to answer them in the comment section below!
I wish you success!
founder of Goldretired