Stock Loan and Securities Finance Solutions since 1999.

Stock Loan and Securities Finance Solutions

Featuring Premier HedgeLoan®
Enjoy the peace of mind of knowing your securities
remain in your account and title while securing your loan, with up to 95%* loan-to-value in a personalized program administered by a major U.S. SIPC-member institution.

HedgeLender LLC of Philadelphia offers an institutional securities finance service managed by a major U.S. banking and brokerage firm 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 — what we call Premier — allows collateral stocks or other securities to remain in your account without changing title while they act as security for a customized loan with high loan-to-value. It features administration by a fully regulated SIPC-member brokerage, online account access, and a simple lender lien with quick closing removed on repayment.

These loans may be used for any legal application, from medical expenses to corporate debt reorganization. (They may not, however, be used for tax avoidance.)

Your single application is sufficient to access all of the HedgeLender LLC programs, features, and variants for which you are eligible. There is no obligation of any kind to proceed at any stage until and unless you choose to sign your loan agreement. To begin, simply use the contact form below and one our staff will help you get started. We facilitate a wide range of custom quotes with terms, features, and support available exclusively through HedgeLender LLC.

Our showcase stock loan and securities finance program is Premier HedgeLoan®, the trademarked brand we today assign solely to a stay-in-your-title/account Premier loan where an option is structured into the loan to help protect the value of the portfolio against lender loss. These limited-recourse loans come with interest-only quarterly payment standard based on monthly LIBOR+4 (currently around 4.35%), and the freedom to pay down principal as well; fast closing, typically within 72 hours of signed loan documents; early payoff at any time without penalty; the services of a personal licensed institutional account advisor; no margin calls; regular statements direct from your institution; and all future growth (upside), if any, to you, including dividends, even while your portfolio secures the loan — all in a simple lien-type arrangement where the shares are locked in your account until the loan is repaid.

As a special feature, collateral may be exchanged (with lender approval) for securities of equivalent value during the loan term. A "line-of-credit" feature means you may be eligible for more loan funds (again at lender's discretion) if the collateral securities' value rises consistently over time. 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, can reduce his risk of liability in many cases to the collateral securities alone (exception being any amount remaining after exercise of option.) There is no negative credit reporting in the event of default, and you may ask lender to sell shares to repay loan.

Our Premier loan program offers many other variants beyond our showcase Premier HedgeLoan®. 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 authorization to the lender, as required of any fully regulated U.S. brokerage. Premier structures are highly customizable, and can range from conventional stock loans similar to margin loans all the way through to securities loans (mutual funds, bonds, T-bills) tailored to 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

Is speed what you need? Got securities for collateral and a difficult financial challenge ahead? We can help. More

HedgeLender LLC actively supports our men and women in uniform, and this month makes a contribution to the Military Order of the Purple Heart Service Foundation for every stock loan or securities finance transaction we conclude.

Rated A+ by the Better Business Bureau
of the Washington-Pennsylvania Region
2004 - 2009 (Click to Verify)

Licensed and in Good Standing, 2009
California Board of Corporations
Finance-Lender Lic. No. 603E363 (Click to Verify)

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*For federal securities such as Treasury bills. Up to 85% LTV for other securities. Full list here. Final LTV will depend on many factors including trading volatility, price, and size of portfolio. Stock-secured loan roceeds may be used for any legal purpose other than the repurchase of marketable securities (not acceptable for stock loan capable securities; acceptable for commercial purposes, e.g., yacht financing, business expansion, debt reorganization, etc.) Stock-secured loans or general securities-backed financing structures may not be used as tax shelters or tax avoidance methods. Please consult with a licensed tax or financial professional for guidance on tax treatment of loan proceeds.

Copyright © 2001-2009, HedgeLender LLC. All rights reserved. Any corporate references on this website are the registered property of their respective companies and do not represent a formal legal affiliation with Hedgelender LLC. Not available in any jurisdiction where prohibited by law.

Mailing Address: HedgeLender LLC 2 Penn Center Plaza, Suite 200, Philadelphia, PA 19102

*Information only for the stock-secured loan component - not an offer of any form or variant of any insurance product or service. IRA-related services for self-directed IRAs only via third-party licensed insurance agents not affiliated with HedgeLender. Marketing limitations: HedgeLender is a a provider of stock-secured loan and securities finance services (a loan brokerage) offered through proprietary relationships with selected professional/institutional partners. These securities based lending products and services have been developed and marketed by HedgeLender under the HedgeLoan® brand name in some cases, a wholly owned mark. HedgeLender does not manage or hold securities directly at any time. Affiliate misrepresentation: Any individual or firm marketing or delivering trademarked HedgeLoan@ capital finance information that involves referral, recommendations or presentations of trademarked HedgeLoan@ securities financing (or any HedgeLoan-supported stock-secured loan solution that involves a discussion of stocks, options or other securities) must be licensed in their appropriate jurisdiction if that discussion involves any form of 1) securities buying and selling, 2) securities buy-sell, insurance, tax, or financial planning, or 3) financial, tax, or insurance advice of any kind. HedgeLender does not offer any of these services and is not responsible for any Affiliate violating these strict prohibitions in contravention and violation of HedgeLender policy, enshrined in every Affiliate contract. HedgeLender is a loan facilitation service only. Affiliates are contractually bound to comply with these regulations and any actions contrary to these clear prohibitions are not the responsibility of HedgeLender nor in any way or manner authorized by HedgeLender. HedgeLender facilitates stock loan and securities finance quote services only. Eligibility. Generic discussion of stock loan eligibility criteria is available to all, both on our website and in direct communications or marketing. Tax Issues. No HedgeLender Affiliate or staff member including principals Fred R. Wahler, Vice President, or Daniel W. Stafford, President, are authorized to provide tax planning, financial planning, insurance, estate planning, or other forms of financial advice of a legal nature pursuant to any securities based loan program unless fully and properly licensed to do so in their state or jurisdiction of residence or practice. Please consult a licensed tax professional and/or the Internal Revenue Service (www.irs.gov) to make a determination as to the treatment of HedgeLoan proceeds for tax and accounting purposes for any given stock loan or securities finance portfolio. Risk Issues. A stock loan, stock margin loan, or any loan backed by securities including municipal bonds, mutual funds, T-bills, or other securities requires an assessment of portfolio value and volatility over a given range of time, as well as current/recent price and average volume. This applies to all forms of securities collateral. Sophisticated analytical tools are typically used by your loan provider in making these determinations, which are reflected in such elements as margin stock loan interest rates and term. While HedgeLoan or general securities finance can be a very useful and safe alternative to many other investor options, at no time does HedgeLender LLC imply a condition of no risk at all nor does it state or imply that a HedgeLender loan solution is preferable to any other financial alternative. Such decisions should be made only with the advice of a licensed financial professional. As with any activity involving securities with rapidly changing value over short time periods, risk of drop in value of a portfolio must always be considered. Ineligible portfolios: Not all stock portfolios or securities will qualify for HedgeLoan stock loans or general securities financing. Note Re Premier HedgeLoan program: Two years tax returns and a short personal financial statement are required to ensure ability to make interest-only payments on this loan. These documents are not used to determine loan type or features. Verification: Verification of both collateral and client identity are required before proceeding with any stock loan or securities finance program offered by HedgeLender LLC. Eligibility is determined after an evaluation of the client's portfolio. Rule 144 stock may in some cases be eligible if shares have corresponding publicly available options. See Criteria page for further information. Contact. For all other information including licensure, references, funds management, undoing margined positions, due diligence assistance, management backgrounds, stock secured loan default scenarios, technical structures, margin account comparisons, securities based market issues and Affiliate contracts, or any other questions, please contact us via our website contact button (above). .