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A non-recourse stock loan is a type of loan that uses shares in a publicly-traded company to secure the loan. It is an excellent way for individuals and business owners to tap into the value of their stock easily and quickly without having to wait too long for the money.
Stock loans can be a critical financing source for entrepreneurs. A stock loan is a resource they can quickly access to fund business operations.
The loan amount is determined by a loan to value (LTV) ratio which means the loan amount may be equal to 50% of the value of the shares needed to secure the loan.
In addition to other criteria, the maximum loan amount available to a borrower depends on:
Market conditions
Historical stock price and volume performance
Total number of shared owned
Market sector
The ability to convert a majority of the current market value of securities into cash without selling them outright is an attractive option for many shareholders. With that value unlocked from their shares, individuals and business owners can get the liquidity they need with ease and without visiting the bank.
Liquidity – Stock loans are a fantastic option when an individual or business owner needs a quick financing option. It turns equity into cash with ease.
Interest-only – No ambiguous or hidden charges; stock loans are an interest-only, transparent loan option. There are no never-ending charges that seem to extend the credit unnecessarily.
Accessible – Stock loans are available to almost anyone. You don’t need a credit check to access one for your individual or business needs. The process is painless and straightforward, and your money is delivered to you most conveniently.
Privacy – It provides borrowers with a trustworthy source of capital. All transactions are private and kept in strict confidence.
Competitive – Stock loans offer you competitive and flexible interest rates. You typically receive better terms than you would get from a traditional marginal loan.