Stock Loan Process

5 Min Application

<24 Hrs Term Sheet

1-2 Days Documentation

3-5 Days Transfer

1-2 Days Funding

1

Submit Application

Complete our simple online application or call us directly. You'll provide basic information about your securities and liquidity needs. For a full overview of the process, see our How Stock Loans Work: A Step-by-Step Guide.

What You'll Need

• Stock ticker symbol(s)
• Number of shares
• Approximate portfolio value
• Contact information
• Desired loan term (optional)
• Government ID
• Entity Formation Docs (for entity borrowers)

✓ No credit check required

2

Portfolio Assessment

Our team evaluates your securities to determine loan eligibility. We assess liquidity, volatility, exchange requirements, and market conditions.

We Evaluate

• Exchange listing and trading volume
• Market capitalization
• Stock volatility
• Any restrictions (Rule 144, lock-up)
• Current market conditions

Timeline: less than 24 hours

3

Receive Term Sheet

You'll receive a formal offer detailing loan amount, interest rate, loan-to-value percentage, and terms. This is a no-obligation offer.

Term Sheet Includes

• Loan amount range
• Fixed interest rate
• Loan-to-value percentage
• Loan term options (18, 24, or 36 months)
• Any conditions or requirements

✓ No obligation to proceed

4

Document Signing

If you accept the term sheet, we prepare the loan documents. Everything is handled electronically via e-signature.

Documents You'll Sign

• Loan agreement (terms, interest, repayment)
• Transfer authorization

Timeline: Same day or next business day

5

Transfer & Funding

You initiate the share transfer to us at the transfer agent. Once the shares are deposited with our custodian, funds are wired to your account.

Transfer Details

• Full title transfer occurs at the transfer agent
• Typical transfer: 3-5 business days
• Same-day or next-day wire of funds
• Loan officially begins on funding date

✓ Total timeline: 7-10 business days from application

Interest Payments

Make regular interest payments (monthly or quarterly) as specified in your loan agreement. Payments are fixed, so you know exactly what you owe.

Stock Price Changes

If your stock price rises, you benefit—shares are returned at current value. If it falls significantly, you have options to shore up the value of the portfolio.

Prepayment

Most loans have the ability to be prepaid per the terms of the loan agreement prior to maturity.

Option 1: Repay in Full

Pay the principal plus any remaining interest. We transfer your shares back to you at the transfer agent at their current value. If the stock appreciated during the loan, you benefit from that gain.

Option 2: Refinance

If you need more time, you may be able to refinance the loan into a new term. We'll re-evaluate your securities and provide new terms based on current market conditions.

Option 3: Walk Away

Because this is a non-recourse loan, you can choose to not repay. We keep the shares, and you have no further obligation. This may have tax implications—consult your tax advisor.

For a term sheet, just basic information about your securities. For the loan agreement, you'll need a government-issued ID and a recent transfer agent or brokerage statement showing ownership. That's it—no tax returns, no income verification, no credit check.

Yes, most loans can be repaid early with a small penalty. Check your specific term sheet for details.

Dividends are typically passed to the lender. The specific treatment will be outlined in your loan agreement.

In most cases, voting rights are transferred along with the shares during the loan term. This is standard for stock loans. If voting rights are important to you, discuss with our team during the term sheet phase.

Shares in IRAs, 401(k)s, and other retirement accounts have restrictions. Contact us to discuss your specific situation—we'll help determine if a loan is possible.

The Stock Loan Process

Step-by-Step Process