Whether the stock market is up or down, with your HedgeLoan® in place you get the best of both worlds. Set a base floor price to trigger your hedge, or tap your stocks for cash right now and enjoy growth in a rising market. You choose.
Loan Programs that Make the Grade. We constantly evaluate our programs to ensure that what you receive is what you expect. We offer a personal approach with HedgeLoan stock loan programs meet the highest standards of sound professional management and historic performance. Learn more
Multiple, Flexible Stock Loan Offers. We'll personalize your term sheet for your eligible stock portfolio, so that the features you are looking for are included in the final product.
F-A-S-T! Closings in as few as 3-5 Days from signing
Credit Independent. We'll look at the stocks in your portfolio and make a determination based on their history and current price. Stocks that have less erratic or volatile trading patterns, portfolio work more than $500,000, and those in stable, higher quality stocks will receive the highest LTV and lowest interest offers as a rule, although many other factors go into it. We do not consider your credit nor do we report.
Limited Recourse is the key. This means that the lender cannot and does not "foreclose" by taking your loan cash or making claims on any other of your assets. That cash is yours! Your loan manager "forecloses" so to speak only on the stocks if you choose to default, even if they are trading at desperately low prices as GM stock did recently. And again, we never report to credit bureaus.
Finance your real estate downpayment or entire project with interest-only repayment while still retaining participation in your stock portfolio!
John wants to buy a new house. He needs cash for a down payment, but believes in his stock and doesn't want to liquidate and lose all interest in it. His portfolio is worth $1.5M, the house costs $500,000 and he needs $100,000 for a down payment.
Solution: With a Stock HedgeLoan, he receives up to 85% of the value of the stock on a limited recourse basis. If his securities appreciate, he can participate in the upside, and if they drop in price/value, he can exercise his right to default on the loan (with no reporting to credit bureaus) and the collateral fully satisfies the loan obligation.