The
label "HedgeLoan" isn't given to
just any financial product. It's
earned. It's not just one loan but
a family of certified securities loan products that
hedge the collateral loan portfolios against
loss and risk, passing the benefits of that
risk reduction on to the borrower.
What Are My Choices?
It
depends on what kind of stocks you own, and
what you prefer.
If you own free-trading stocks with
strong prices over $2 a share, with solid,
steady volume over several weeks prior, and
you bring a large stock portfolio (over $300,000), you'll have
a full range of choices. If your stocks are more thinly traded, or you bring a small stock portfolio (we go as low as $25,000) you'll have
fewer choices. If your stocks fall somewhere
in between, you'll have a varied range of choices.
Get the cash you need if you feel your stocks will rise in value soon.
You
want to buy that retirement getaway but didn't want to sacrifice your
stocks to do so -- especially since you felt they were a great
long-term investment. No problem. With HedgeLoan®, you can stay "in and out of the market at the same time." Get up to 90% of today's market value and
enjoy all of the growth in value to your account over the life of the
loan. It's yours -- not the lender's, after all.
Flexibility.
Though
the proceeds cannot be put into marginable securities per federal regulations, they may be applied to most any other type of purchase,
investment or financing. Interest can accrue or be paid quarterly.
When a standard margin loan just won't do. Most stock loans are callable by the lender or brokerage if the stock price - and portfolio value - falls to a point where the portfolio cannot cover the loan.
Not so with most HedgeLoan programs, and for those that do allow calls, the conditions are very favorable to the client, with very large drops in portfolio value required before they are triggered. Because the shares have been hedged against lender loss, we're covered. And that means no margin or house calls, on most of our loan programs.
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When you need cash now. If your loan agreement is signed and your shares have fully transferred, your HedgeLoan® cash can be in hand in as few as three days. Larger transactions (i.e., over $30M) may require multi-week hedging, in some cases.
Pick your price. Your HedgeLoan® stock loan is based on the value of your stocks at the time the stocks are hedged. In some cases, a set price based on current recent stock price is offered instead. (clearly spelled out if so). For most loans, if you'd like to wait until a higher price is reached, you can ask us not to hedge under a particular "floor" price. Sign your loan contract, move your shares, and tell us your floor price in writing. We won't hedge until your price is available.
Check our rack record. We are the only private hedged portfolio stock loan company with nine years worth of unblemished history and validated references. Our reputation precedes us, and we're glad it does. Other lenders can promise, but only HedgeLender has consistently performed and executed, with no regulatory actions, no complaints, and no litigation issues at any time.
We are a member in good standing with the Better Business Bureau of the Mid-Atlantic region. (check our record here). At HedgeLender, if it matters to our clients, it matters to us, and our track record of attentive service speaks for itself.
The "extras" our client's expect.
Like compliance with federal and state securities regulations. Or maintaining constant communication and providing quick, accurate answers to every client, large or small. Or ensuring that every share is hedged in one or another proven, secure and transparent manner, and that top-rated I-bank and clearance organizations and audited funds are the norm.
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Our Limited Recourse Stock Loans:
Flagship HedgeLoan® - Our "Flag" HedgeLoan stock loan allows the borrower to enjoy all of the upside growth of their portfolio over time at up to 90% loan-to-value standard. Interest may accrue or be paid. No margin or house calls. Prepayable on annual basis. Private investment-grade options hedges.
Capped HedgeLoan® - Our Capped (or "Cap" for short) HedgeLoan is identical to our Flagship HedgeLoan, except that instead of having all upside growth go to the account of the client, the upside is capped at an agreed-upon percentage, with all upside beyond the cap going to the lender to help mitigate added risk, and all upside under the cap going to the client/borrower. The Capped HedgeLoan comes with a lower interest rate than the Flag HedgeLoan, and is often used with foreign stocks or stocks that have difficulty qualifying for a Flagship
Both Flag and Cap HedgeLoans are available for stocks on the Israel, UK, Canada, Japan, and Australia markets.
STAR HedgeLoan® - Up to 85% loan-to-value with low interest and the right to pay loan off at anytime after the first three months without penalty. Interest-only, principle optional, paid monthly or quarterly. All growth in portfolio to the account of the borrower (full upside). No margin calls. Cash and fund hedges.
Flex HedgeLoan® - Lowest interest, lower loan-to-value loans on a very wide variety of stocks including pink sheets. Very large upside caps - 100% (doubling of stock value per year cap). Cash, fund and options hedges. Interest-only loan repayment quarterly, principal optional.
If you have stocks, chances are that we'll have a program just for you at HedgeLender. For more information, please call our office at 1-800-244-7616 or drop us a note at support@hedgelender.com.
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