HedgeLoan® Stock-Secured Loans
Delivering Flexibility and Choice

Why would I be interested in 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 stock loan default, you keep the proceeds. "Nonrecourse" defined

And how about stock price fluctuation?
As loan brokers, we'll provide a loan quote based on an 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 lender. Once done, a no- or limited-margin-call, limited-recourse loan is possible.

How do your four current stock loans work?
Each program has its own hedging structure, yet each employs established strategies under professional management to harness private stock options, credit lines, and/or investment funds which in effect convert the variable stock asset into what for HedgeLoan purposes becomes a stock-secured loan vehicle.

What are the risks?
The loan programs you see here boast an enviable record for performance among private placement stock-secured loan structures of this type. Risk exists, however, for any stock-related transaction of any kind, and should always be factored into a borrower's decision. HedgeLoan is no exception..

What if the stock price drops dramatically?
Some of our stock loans allow margin calls for very deep price drops, but our Cap and Flag HedgeLoans coms with no margin calls under any circumstances – very different from typical margin stock loans.

Are these stock loans for U.S. securities only?
No. UK, Japan, Australia, Israel, India, Korea, and Canada are just some of the foreign markets HedgeLender now serves. Our stock-secured loan programs are available for other markets as well. 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 Hedgeloan-certified stock loans in the industry, most stocks qualify for at least one of our many stock loan 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 to purchase marginable securities. (Stock loans must 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 and you default, you'll forfeit your portfolio (regardless of value) only. Your loan will be considered paid in full, with no negative credit reporting.

■ 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

■ 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 securities finance that lets you own 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 features of a HedgeLoan.

■ Become a HedgeLender Affiliate or Franchise Affiliate
Automated lead tracking support and the best commission structure in the securities finance industry. More

Have more questions? We welcome them! Learn more about what our HedgeLoan programs can do for you (or your clients) through our FAQ; or read about custom-structured Solutions; Or contact us using our Online Form at any time. To call, please fill out our online form first.

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