Archive for Uncategorized


* Securities remain in borrowers title and account
* Major licensed U.S. SIPC-member banking/brokerage institution only
* Up to 85% loan-to-value for most securities; Up to 95% LTV possible
* Low interest rates – monthly LIBOR+4 (currently about 4.35%)
* No liens on any other asset to fund loan
* Quick funding – three days from signed loan documents standard
* Credit has no impact loan offer (but borrower must demonstrate ability to service debt)
* Loan default not reported to credit bureaus
* Self employed buyers ok
* Limited-recourse loan available for many stocks
* Borrower can receive stock dividends during the loan term – REITs OK
* Borrower retains stock – shares remain in their account and title at all times
* Access to account online and through monthly statements
* No prepayment penalties whatsoever; payoff any time
* Turns real estate investors into all-cash buyers for best rates, etc.
There have been other stock and securities loan programs available in the past that have required the borrower to transfer their shares, title, and all ownership rights over to the lender. Some of these programs had the right to sell a portion of the shares to help fund the loan.

Not so with this loan program from HedgeLender. This is the first and only program currently available to offer regulated, licensed institutional security, no penalty for payoff any time, a line of credit feature, a stock-swap feature, and a limited recourse options all at once. This is truly the next generation of securities-backed loans, and we are pleased to be able to help you get started today.


Either way, it can be a real a win-win for you as a real estate professional as well as your client. The buyer can buy the property from a stronger position without losing their stocks. If structured properly, liability for repayment in default can be limited as well.

With these loan programs, you’ll be shifting some or all of the risk from your real estate to your securities.  And they come with many additional features, including a line of credit if your stocks do well and increase in value over time. Or the possibility of swapping one set of stocks for another if you want to free up your stock collateral for some reason.

With today’s volatile market, your client can still enjoy the appreciation of the securities portfolio while it secures your loan, if the stocks do well. At the same time, they’ll be able to make a second investment in real estate. The borrower will have diversified his/her investments.

Here are some features and benefits of the stock loan

real estate v1

Stock Loan and Securities Finance: A Better Way to Buy Real Estate in Today’s Market?

Did you know your clients can buy real estate with a loan collateralized by your stock or other securities, such as mutual funds or bonds? If not you should! A stock loan like this offers a means to tap your stock’s equity without having to sell them outright. The shares remain in your account and title, always accessible. The program is managed by a major, licensed U.S. financial institution.

If you have been in this industry awhile you have seen many changes. The most recent change is probably the most damaging to your business because banks have made it very difficult to obtain many kinds of loans. Without financing, the real estate market has been crippled.  Almost everyone involved in real estate – from brokers to buyers to mortgage companies – has had to deal with this pitfall in some manner over the last year.

With these securities-backed loan programs the credit score, employment status etc. do not determine your loan, only the quality of your stocks. Of course as with any loan, the borrower must be able to service the interest-only payments, but paperwork is very minimal and cash delivery can be in a matter of a few days. Almost every securities owner will qualify for at least one of these programs.

There are two ways this can be used when it comes to real estate. For example, they can use the loan to buy the property outright, free and clear. They could also use just part of the stock loan proceeds for a down payment that might then qualify them for a loan they couldn’t have received otherwise.

Identify assets

Identifying a firm’s assets, especially its intellectual assets-the proprietary knowledge expressed as a recipe, formula, trade secret, invention, program, or process-has become critical to a company’s overall vision and strategic plan and essential in such transactions as stock offerings or mergers. In the era of the knowledge-based company, where the firm’s genius and future lies in its ideas, a firm’s collective know-how has become a measurable commodity-and as much a part of its bottom line as the condition of its cash investments, plant, and equipment. Extracting and measuring the real value of knowledge is essential for any corporate head who knows how high the stakes have become for corporate survival in the information age-where the innovative idea is as good as, if not better than, gold! Value-Driven Intellectual Capital is a corporate and financial executives’ handbook to the new world of intangible assets-what they are and how to convert them into cash or strategic position. Written by one of the seminal thinkers in the field, and the key organizer of the ICM Gathering, a group of leading-edge knowledge-based companies, Value-Driven Intellectual Capital explains the new, boundary-expanding world of intellectual assets-where translating an innovative idea into bottom-line profits involves a tightly focused strategy with clear directives for making it happen. A blueprint for turning corporate knowledge, know-how, and intellectual property into a sustainable competitive weapon that will build a firm’s reputation and market share, this practical, insightful book outlines:
* Basic concepts underlying IC (intellectual capital) and corporate value creation
* The linkage between IC, business strategy, and profits
* The different kinds of value-including qualitative and quantitative -firms realize from their IC
* Activities required to produce the value firms desire from their IC
* Methods for calculating the dollar value of companies-for market capitalization and mergers or acquisitions
* An economic model of an IC company


HedgeLender now also employs the URU international multidatabase background checking system for verification of client and affiliate identity, as well as the Criminal Searches database ( and the government’s Pacer legal records system ( on a regular basis so as to obtain a complete picture of all parties interacting with the company, from lenders to affiliates and even to clients themselves. “Our goal is to ensure that when a client comes to us, he is getting a professional, secure, and legally compliant financial service through a regulated lender with documented assets sufficient to service the loans. We realize that in today’s climate, traditional vetting and asset verification are simply insufficient”, Wahler noted.

HedgeLender LLC has been in the business facilitating securities-backed financing services since 1999 and since 2003 through its registered trademark HedgeLoan®. It is licensed under the California Department of Corporation’s Finance Lender law under broker license number 603E36. It has been an A+ Accredited Business with the Better Business Bureau since 2004.