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Stocks-Securities Lending
80% LTV Securities Financing


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This type of lending allows the borrower to use their investments (stocks, mutual funds, bonds, MTN's or other securities) to obtain funds for personal or business use. Using investments as collateral it is possible to borrow money at low interest rate financing for up to 10 years.

• Fixed interest rates between 2.5% and 4.5%
• Interest Only quarterly loan payments
• Loan terms of 3, 5, 7, or 10 years
• No closing costs
• No lenders fees
• No upfront due-diligence fees
• No credit check or income verification. It is not even asked for
• Funds may be used for any purpose including personal or business use
• Non-recourse loan. The only collateral are the pledged securities. Should the borrower default on the loan, the borrower keeps the loan proceeds and the lender only claims the collateral. The borrower’s liability is limited to the collateral pledged for the loan. The lender has no right to proceed against the borrower for any deficiency.
• Loans available for up to 80% of the securities value
• The borrower retains all dividends and upside market appreciation that the securities generate
• Prompt response to a loan inquiry, usually within one business day of receiving the security information. Funds can be deposited into the borrowers account in three to five business days once the contract is signed and the transfer takes place.
• Flexible terms at loan maturity. The borrower may renew the loan, possibly refinance, or pay off the loan 



Securities that qualify as collateral are Publicly and Actively traded stocks, mutual funds, bonds, Treasury Notes and MTN's that are not restricted in any manner.

Most foreign securities are acceptable

• CD's*
• Gold or silver mines
• Commodities
• CMO's
• SBLC's
• Bank Guarantees or Warranties
• Private notes or private bonds
• Bonds that are coming due within 3 years
• Bearer Bonds
*can be converted to cash then securities may be purchased and used as collateral. 

Minimum loan amount is $100,000
Minimum loan term is 3 years
Minimum average trading activity on stocks must be $50,000 per day. (Average volume x current share price.)Borrower must have proof of ownership of the securities.
We do not ask for credit history, income, employment or the intended use of the funds. This form of lending allows pledged securities such as stocks, bonds, mutual funds or Treasury bills to stand as collateral for borrowed funds for personal or business use. In working with securities-based lending, mortgage brokers will learn about common transactions — for example, interest-only fixed-rate loans carrying interest rates from 2.5 percent to 4.5 percent with minimum terms of three years.

Some of the benefits of securities-based lending can include:

  • Interest-only quarterlypayments;
  • Quick fundings;
  • No closing costs;
  • No lender fees;
  • No credit checks;
  • No income or employmentverifications;
  • Loan terms betweenthree and 10 years; and
  • Low, fixed interest rates.

In addition, typical minimum loan amounts start around $100,000. With some lenders, there is no maximum loan amount, restriction on borrowers’ use of the funds or personal liability.

Many lenders will offer loans for as much as 80 percent of the securities’ value and allow borrowers to retain all dividends and upside market appreciation. Flexibility at loan maturity frequently includes options to renew the loan, refinance or pay off the balance.

Generally, for securities to qualify as collateral, they must be publicly and actively traded stocks, bonds, mutual funds or Treasury notes without restrictions. The loan process involves completing a form listing the name, symbol and shares to be pledged. Quote requests often are online, which can make it easy for brokers to access information.

A completed form and a recent monthly statement of the security or securities are typically sent to the lender, which usually responds within 24 hours. Terms are offered, and upon agreement, the loan documents are prepared and the securities are soon transferred to a holding company.

A final value is based on an average of the closing price of the collateral for three consecutive market days. The borrower then transfers ownership of the securities to the lender. The borrower retains all beneficial interests in the securities, including all dividends. The number of shares of collateral initially pledged is returned to the borrower when the loan terms are settled.

Lock-out periods are common, and brokers should familiarize themselves with all loan restrictions. Securities-based lending can help brokers erase the frustrations many borrowers face trying to find adequate lending programs in a market distinguished by constrained access to capital. The lack of underwriting hoops and approval delays — along with unrestricted use of funds — represents another upside.

Brokers interested in breaking into securities-based lending can approach homeowners and business-owners in need of extra money. Often, brokers can earn as much as 5 points on securities-based lending transactions. Moreover, with fast closings, brokers’ can see their commissions quickly

 Securities Loan Application

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