Stock-Secured Loan Programs for Every Stock Owner.
HedgeLender LLC is the oldest continuous provider of private placement hedged-portfolio stock loans in the United States. We are known in the industry for reliable, custom-designed loan structures carefully and patiently tailored to each client's situation. Our reputation for service excellence has become the hallmark of a HedgeLender transaction.
HedgeLoan®-certified stock loan programs are recognized as the gold standard in this private placement consumer finance field. Our loans have met rigorous standards for compliance, management, and client benefit over hundreds of transactions for nearly a decade, and we strive constantly to improve.
Why a stock loan at all?
To retain beneficial ownership of your stocks while tapping their value. To do so with simplicity and speed: In the same way you use a home to secure an equity loan, you can quickly use your portfolio to secure a HedgeLoan® – except that in default, you keep the proceeds of your HedgeLoan. More
And stock price fluctuation?
Price changes are most important before the loan. We'll provide a loan quote based on our evaluation of your portfolio, and price swings will be part of the volatility analysis. This is important because your stocks will be hedged to establish minimal downside risk to both lender and borrower. And that's important because it means most of our loan variants do not permit lender a margin call if price drops.
How does it work?
Each program has its own hedging structure, yet each employs established strategies under professional management to harness private stock options, credit lines, and investment funds which, in effect, convert the variable stock asset into what for HedgeLoan purposes becomes sufficient for a stock-secured loan.
What are the risks?
Our programs boast an excellent record for performance among private placement stock-secured loan structures of this type. Over hundreds of transactions since 1999, we have exceeded performance requirements predictably and consistently.
What if the stock price drops dramatically?
For most of our programs, nothing. Some of our stock loan structures allow margin calls for very deep, Enron-like price drops, but our standard HedgeLoan allows for no margin calls under any circumstances – which is very different from the typical margin stock loans arranged through your stock broker.
Are these stock loans only for U.S. securities?
No. UK, Japan, Australia, Israel, India, Korea, and Canada are just some of the foreign markets HedgeLender serves. Stock-secured loan programs for other exchanges are also available. Learn more
How do I know if my securities qualify?
Please see our loan criteria page for a detailed answer. Because HedgeLender offers the widest selection of stock loans in the industry, most stocks qualify for at least one of our HedgeLoan programs. .
How quickly do I get my loan funds?
In as few as 24 hours in some rush cases, although 72 hours from confirmation of collateral is standard.
Can I use these funds for any purpose?
Any legal purpose other than the purchase of marginable securities. (Loans comply with Federal Regulations U, T, and X).
Are these really nonrecourse stock loans?
Yes. Our programs are set up so that if you cannot keep up with your loan payments, you'll default and forfeit your portfolio (regardless of value). Your loan will be considered paid in full, with no negative credit reporting. (Note that the term limited recourse is actually more accurate than nonrecourse stock loan, as lender claim is limited to the securities.) |
■ Four Distinct HedgeLoan Stock Loan Programs
We offer four distinct types of HedgeLoan stock loans: Flag (full upside, max LTV); Cap (capped upside, lower interest rate); Flex (wide eligibility, limited call); and EZ HedgeLoan. More
■ Leverage up to 6 times your holdings, let us finance it!
Our new Reverse HedgeLoan allows you to control five or six dollars worth of stock for every one dollar of you own, and all within your favorite HedgeLoan structure! Call or write for details.
■ Buy Real Estate Outright the HedgeLender Way
Finance your real estate outright with a fast-closing HedgeLoan® and enjoy interest-only (or interest-accrued!) repayment while still retaining participation in your portfolio. No qualifying beyond your stock portfolio, fast closing. This is stock loan financing that lets you own your real estate unencumbered by a typical mortgage.
■ Build Shareholder Loyalty, Say Goodbye to PIPEs
Listed companies can use HedgeLoan® to do off-balance sheet financing with shareholders supportive of the issuer while gaining flexibility and greater shareholder loyalty in the process – all without the aggravating delays of a typical PIPE.
■ Diversify Your Investments, Keep Your Stocks
Expand your range of investment possibilities while retaining contractual ownership of your shares via your HedgeLoan® stock loan. Simplify, reorganize, and restructure your debt while staying both "in and out of the market"!
■ Turn Stock Options into HedgeLoan Cash
Make the most of your dormant stock options in ESOP or similar options compensation programs, with a custom HedgeLoan stock options loan. We'll structure the loan to include what you need to move from stock options into a stock options loan with no out-of-pocket costs and all the usual benefits of a HedgeLoan.
■ Become a HedgeLender Affiliate/Franchise Affiliate
Full marketing and campaign support and the best commission structure in the industry. Turnkey options. .
Have more questions? We welcome them. Learn more about what our HedgeLoan programs can do for you through our FAQ; or read about custom-structured solutions; Or contact us using our online form at any time.
CALL 1-215-923-2393
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