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STOCK LOANSS

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Stock Loan and Securities Finance Services.

Provided by and through fully regulated U.S. SIPC-member firms. Shares remain in client account and title at all times while they serve to collateralize a quick-closing, high-LTV, low interest loan. Non-recourse and limited call variants available.




HedgeLender LLC offers stock loan and securities finance services managed by one of several major U.S. banking and brokerage firms in which shares remain in the borrower's account and do not change title. This quick-closing, non-hedge-fund stock loan and securities finance program allows collateral stocks or other securities to remain in client's personal account without changing title while they act as security for a customized loan with high loan-to-value. It features administration through a fully regulated, major (top ten U.S.) SIPC-member brokerage and/or bank; typical online account access and records; and a simple lender lien with quick closing. It is ideal for transactions in the $500,000 and higher range.

(Note please: If you are a Registered Investment Advisor or represent a fully regulated financial firm offering counsel or guidance to prospective high net worth clients or investment-bank funding, please contact us here).

Why Choose HedgeLender Stock Loans and Securities Finance Solutions?

These loans may be used for any legal application, from medical expenses to corporate debt reorganization. They may not, however, be used as tax shelters or to avoid federal reporting requirements for corporate affiliates.

Your single application is sufficient to access all of our renown stock loan and securities financing programs and all of the features and variants for which you are eligible. There is no obligation of any kind to inquire or proceed at any stage until and unless you choose to sign your final loan agreement; any step can be reversed, halted, or paused as you wish. To learn more or get started, simply use the contact form below and a staff member will be in touch with a relaxed, no-pressure discussion of your securities loan options. We facilitate a wide range of custom quotes with exclusive terms, features. We do not believe "one size fits all".

Our showcase stock loan and securities finance program retains your shares in your own account without changing title. For eligible, optionable securities a put option or collar can be structured into the loan through the assistance of your fully licensed account advisor to help protect the value of the portfolio against lender loss and client asset attachment in the event of default. These "limited-recourse" loans come with interest-only payment standard based on rates that max out around 7 percent, and include the freedom to pay down principal as well. They close quickly, typically within 72 hours of signed loan documents, and early payoff at any time without penalty is always ensured. For loan structuring and assistance, the services of a personal, licensed institutional account advisor are on hand. In terms of reporting, regular statements come direct from your institution and all future growth (upside), if any, goes to you, including dividends, even while your portfolio secures the loan — all with a simple lien-type guarantee arrangement where the shares are locked in your account until the loan is repaid.

Flexibility is at the heart of these programs. The collateral shares, for example, may be exchanged (with lender approval) for securities of equivalent value during the loan term. Also, a "line-of-credit" feature means you may be eligible for more loan funds (again at lender's discretion) if the collateral securities' value should rise consistently over time. And when the option hedge is in place for these loans, it makes them in effect limited recourse loans where the borrower, should he be forced to default, may reduce his risk of liability to the collateral securities alone (exception being any amount remaining after exercise of the option.) There is no negative credit reporting in the event of such default. You may always ask lender to sell shares to repay loan.

Our institutional loan program offers many other variants beyond these standard features. Still, regardless of final structure, shares remain in borrower's title and account at all times (absent an event of default). Absolutely no actions are taken on client's securities without his/her direct written authorization to the lender, as is the norm at any fully regulated U.S. brokerage. And because these structures are highly customizable, they can range from conventional stock loans similar to margin loans all the way through to complex, one-of-a kind structured securities finance using collateral as varied as mutual funds, bonds, T-bills, or even CD's, all tailored to your specific purposes or needs.

Access to these institutional loan programs is available through HedgeLender LLC at the time you make your initial inquiry via our Contact form. A licensed account advisor from the lending institution will discuss your preferences following our receipt of your signed Term Sheet. Learn more

Stock secured  loan and securities finance

Simplicity. If you have an individual or corporate financing challenge and securities to pledge as collateral, chances are that we can help - and help quickly. The institutional lenders who provide your loan facility can move just about as fast as you can go. If you are happy with your loan terms, that can be a matter of hours. Contact us to learn more.

Reputation. We've been the unchallenged leader in our unique market space for years. The company's history trace to its founding in 1999 as a securities-based financing resource originally intended for the U.S. export community. Over the years the company has built its reputation by recognizing that its primary responsibility was to listen to what its clients demanded in the way of securities-collateralized lending. A major part of that responsibility was to find ways to facilitate flexible, custom services rather than assuming one financial structure fits all.

Security. Over the last few years the financial environment has changed remarkably. Levels of assurance and security that were common and acceptable three years ago are no long accepted by today's investors. Due diligence and verification that would have been adequate then are unacceptable today. Sophisticated securities finance clients want much more from their lending institutions than before, in most cases for good reason.

HedgeLender listened. In 2008 we began making the changes the market and regulators demanded, adding new compliancechecking systems a procedures including GB Group's UK-based URU multinational background and ID checking system and subscriber verification via PACER, the U.S. government's public criminal and civil database, among others. Every process, statement, and fact is double and triple checked and recorded and filed for every step of every transaction. Asset valuation of lenders, professional standing records, attorney and CPA-verification - these are but a few of the techniques we now employ regularly. Our goal? To be able to say to every client who places their trust in us that yes, we have done our utmost to ensure that every possible element of every clients' loan transaction within our control is secure, and that our clients' assets and loan management are in good hands at all times. Where we can learn ways to provide better service, you can be sure we will implement them.

Innovation. HedgeLender LLC has always been about locating and delivering choice to our clients. In fact, we feel it should be a securities owner's right. Choose from dividends paid to dividends credited; interest and principal or interest-only repayment; higher LTV for a cap on future upside, or full upside and standard LTV. Need something more complex or unusual? Explore a wide range of stock loan possibilities with your institutional advisor. We do our best to ensure that you are in control, and you alone.

Broad eligibility. We'll also do our best to get you quotes for every loan variant for which you are eligible, and we are pleased to be able to say that HedgeLender today can deliver a stock loan or structured securities finance term sheet for most marketable securities. (See list). We accept free-trading stocks, bonds, mutual funds, federal securities (such as Treasury bills), stock options and many others. Quality, verified foreign stocks and bonds are acceptable as well. Larger portfolios and stronger stocks with public options receive our widest range of offers, but we make every effort to deliver attractive loan quotes to everyone from the smallest investor to the largest stock brokerage.

Established. Sooner or later most every securities-based loan client comes through our doors to see what we can offer them, and today "Number One" is not just an empty boast. Rather, it's s a title we've earned over more than a decade of putting our clients first and innovating when our clients expected it. Our A+ Accredited Business rating by the Better Business Bureau, and our many genuine testimonials from clients past and present are indicative of who we are and what we strive to be. Whether via a rating agency or individual borrower, HedgeLender remains a small firm with big-firm service.

Remember: Your loan contract is your decision alone to make. Ask questions of your lender. Review your terms in full. Take your time. We will continue to facilitate programs that we believe are of the highest standards and value, as we have since 1999; but at the end of the day, it is you who will decide whether to accept your final loan offer and terms.

 

 

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