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Stock
Loan and Securities Finance Services
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| Specializing in institutional loans managed
by and through fully regulated U.S. SIPC-member financial firms. Shares remain in
client's account and title at all times while they serve as collateral for
a quick-closing, high-LTV, limited-recourse, low-interest loan.
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HedgeLender LLC has been offering stock-secured loan and securities finance services for over a decade, and we remain the oldest continuous facilitator of loans of this type. Today, our primary offerings are institutional, managed entirely by one of several major fully regulated U.S. banking/brokerage firms in which shares remain in the borrower's account and do not change title or ownership for maximum client control.
No title change means a quick-closing, non-hedge-fund stock loan or custom securities finance program where your collateral stocks or other securities remain in your personal brokerage account without changing out of your title while they act as collateral for a feature-rich, fund-enhanced loan. It features administration exclusively by and through a fully regulated, major (top ten U.S.) SIPC-member brokerage and a custom credit facility with a simple lender lien on the securities in your account. It permits the borrower personal (and online) account access for control and recordkeeping.
[Please note that your securities must qualify for this institutional loan program and that the features mentioned on this site refer specifically to our institutional program alone. If your securities do not qualify, we will be happy to refer you to a competitive transfer-of-title loan limited recourse program through an independent private lender.]
For Advisors. For Registered Investment Advisors and licensed financial firms serving high net-worth clients, we offer a special program to give you direct access to this unique institutional lending facility while protecting your relationship. Please contact us to learn more.
Solutions. Our institutional loans are ideal for a range of financial challenges and objectives, from real estate investment to corporate buyouts. Because these are operated through special credit facilities arranged through well-known U.S. brokerage firms, you will also have access to the normal range of additional financial services provided by these firms. For advisors and other professionals, our facility may be able to be coodinated with your existing advisor's arrangements. (Inquire)
No obligation. Your single application is sufficient to access all of the different stock loan and securities financing programs we offer. There is no obligation of any kind to inquire or proceed at any stage until and unless you choose to sign your final structured stock loan or securities finance agreement. Nominal, fully disclosed fees are deducted from loan proceeds so there are out-of-pocket processing fees.
Exclusive. We facilitate a wide range of custom quotes with terms and features that absolutely cannot be obtained independently outside of this service. To learn more or get started with a loan quote now, contact us and a staff member will be in touch with a no-pressure discussion of your options.
Limited Recourse. Our showcase limited-recourse stock loan and securities finance program integrates, optionable securities structured into the loan contract to help protect the value of the portfolio against lender loss and client asset attachment in the event of default. When the option hedge is in place for these loans, it makes it in effect a limited recourse loan where the borrower, should he be forced to default, maybe able to reduce his risk of liability to the collateral securities alone, fulfilling the debt obligation by exercising the option and surrendering the securities. There is no negative credit reporting. Inquire for details.
Low Rates. These credit facility has made it possible for these loans come with unusually competitive interest-only payments based on rates from 3%-7% and they may be structured to pay down principal as well. The loans close quickly, typically within 72 hours of signed loan documents, and early payoff is any time is without interest rate penalty.
Reporting Ease. Regular statements come direct from your lender, which will reflect all future growth in the portfolio credited to you as well as dividends. Dividends may be directed against interest, or paid directly to you. Shares are unlocked in your account upon final loan repayment.
Custom Service. 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" option means you may be eligible for more loan funds (again at lender's discretion) if the collateral's value should rise consistently over time.
Your Own Accounts. Our institutional loan program offers
many other variants beyond these standard features, but regardless of final loan structure, your securities always remain strictly titled to you, the borrower,
and remain in your own personal account at your lender all times (absent an event of default). Absolutely no
actions are taken on your securities without your direct written
authorization to the lender. And because these structures are highly flexible, they
can range from conventional structures similar to margin loans all the
way through to complex, one-of-a kind structured securities finance
using mutual funds, bonds, T-bills, or even
CD's - all tailored to your specific purposes or needs under the direct guidance of your lender's licensed financial advisor.
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Simplicity. If you have an individual or corporate financing challenge and securities to pledge as collateral, chances are that we can help somehow - and do so quickly. The institutional lenders who provide your loan facility are standing by by to move just about as fast as you desire. When you commence your loan process you'll immediately begin discussions with your lender-provided account advisor to determine the final shape of your loan contract. Only if and when you are happy with your loan terms with you sign your loan documents, and your loan funds are available quickly thereafter. Please contact us to get started.
Reputation. HedgeLender has been the most prominent name in customized stock-secured loan financing services for over a decade. Our focus is on our clients and delivering the best financing we possibly can. 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 and through many challenges the company has built its reputation by listening to what our clients required. That journey led us to realize the importance of security to today's borrowers, and to redouble our efforts to facilitate flexible, custom financial services rather than assuming" one size fits all' but to do so by enhancing the natural strengths of modern regulated financial institutions through the supplemental resources of a private equity fund.
Safety, Security. Levels of assurance and due diligence that were common and acceptable in years past are no longer acceptable by today's investors. Verification that was adequate then is deemed unacceptable today. Much more is now expected of every financial firm at all levels.
HedgeLender LLC recognized the changed landscape and in early 2008 we began the long hard process of revieweing and upgrading all of our security systems and procedures for lenders, staff, clients, and agents alike. We added new compliance–checking systems designed to combat money laundering and other illegal practices. W'eve added online resources, and moved up the scheduled unveiling of our institutional, no-title-transfer loan program by several months while putting several new recordkeeping procedures in place.
Today, every process, statement, and document is thoroughly checked for accuracy and completeness before filing. Every candidate staff or agent is triply vetted and placed on administrative probationary status for six months. We conduct our own asset-liability valuation of lenders, including the obtaining of professional standing records. Third-party attorney and CPA-verification are other techniques we now employ regularly. All of this is at absolutely no extra cost to our clients.
Goals and Objectives. Our goal is to be able to say to every client who places their trust in us that we have done our job to ensure that their loan is in good hands. Where we can provide additional ways to provide better service, you can be sure we will do all within our power to implement them.
Innovation. HedgeLender LLC has always been about locating and delivering innovation and choice to our clients. We were the first to coin and register the trademark HedgeLoan™ for example, for the hedged portfolio, limited recourse (nonrecourse) loan model. We believe in financial innovation and borrower choice, flexible choice, and that such choices should be a securities owner's right vs the standard sell or hold options.
Our loan programs allow dividends to be paid directly or dividends to be credited to repayment of the loan; interest and principal paid together or interest-only repayment; higher LTV for a cap on future portfolio growth, or full upside and high LTV. The complex arrangements that are possible through our programs while you work with your licensed lender account representative are virtually limitless. Explore a wide range of stock loan and complex structured securities finance alternatives while still benefiting from the special terms that our enhanced lending facility makes possible.
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 at least one stock loan or structured securities finance term sheet for almost any legitimate collateral of marketable securities. We accept free-trading stocks, bonds, mutual funds, municipal bonds, federal securities (such as Treasury bills), Ginny Mae CMO, 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. (See criteria)
Top-Rated. Sooner or later most every new securities-based loan client or agent comes through
our doors to at least see why so many clients settle on HedgeLender loan facilities over all others. And that's understandable. Why accept a quote from a "lender" or novice broker before getting what is nearly always the best possible offer from HedgeLender? "Number One" is a
title we've earned over almost eleven years of putting our clients first
and innovating when our clients demanded it. Whether our top-ranking on the internet for eight years straight; Our A+ Accredited Business
rating by the Better Business Bureau; or our many genuine
testimonials from clients and investment advisors past and present, our record states accurately who we are and what we strive to be. Whether from a rating agency or individual
borrower, HedgeLender remains a small firm with big-firm respect.
Get a Quote Today.
Rated A+ Accredited (Verify)
Licensed and in good standing, 2010
California Board of Corporations, Finance-Lender Lic. No. 603E363 (Verify)
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(TAGS: loans stock, loan against stocks, stock secured loans)
Other Links - Visit our UK stock loan site - Our securities finance sister site
Our loanstock site -Reading list site
