International Stock Loans > Our Services > Non Recourse Stock Loans

Non-Recourse Stock Loans

No-strings Borrowing. Pay or Walk Away

Let’s discuss a crucial distinction between the loans we offer, non-recourse loans, and the more commonly issued recourse loans. Both loan types include borrowing money in return for collateral. With recourse loans, however, the lender can come after much more than what you put up as collateral, and failure to repay the loans can result in

When you borrow for a personal or business-related purchase, such as a vehicle or a tractor, you typically enter into what’s known as a recourse loan. This means that you are fully responsible to repay that loan by whatever means necessary, including not only repossession of the asset(s) you bought with the loan, but any other assets necessary to repay the full loan amount. If your financial situation suddenly changes, this can leave you in a dire predicament, with years spent digging yourself out of a financial hole.

Then there’s the type of loan we offer: non-recourse loans. With security-backed loans, you don’t have to worry about a major change in your financial situation or the value of your pledged securities, because you can walk away from the debt at any time, problem-free.

Why our loans are the right choice:

  • No credit checks

  • No requirement to repay, no effect on credit if you terminate the loan early

  • Walk away from the loan at any time

  • You never lose ownership of your shares. Keep earning a return while enjoying liquidity.

  • Protect yourself from major capital losses. If the value of your share suddenly falls, simply walk away from the loan. 

    There are several reasons you may decide not to pay your debt, and relinquish the securities you pledged, but the most common reason is that the value of those securities has fallen dramatically. For this reason, a stock loan is a responsible way to hedge against your position in a company while still enjoying the returns on your stocks. Often, you’re the returns on your stocks will beat the low interest rate we charge, making our loans a responsible, efficient way to maintain liquidity in your portfolio.

  • Let’s get in touch today, and discuss how you can enjoy liquidity on your stocks with a non-recourse stock loan.

Advantage #1

Non recourse effectively allows for default without further penalty or action. This is a unique feature of this type of securities lending and does not impact the borrowers credit rating.

Advantage #3

It requires neither proof of employment nor income, and in fact this form of stock lending requires no credit check. Finally, loans can be approved and closed within a very short period of time, typically from 3 to 7 days, allowing the borrower to quickly access the needed funds.

Advantage #2

Because the loan is fully collateralized by the borrower’s stock, this type of non-recourse stock loan can be offered with a minimum of personal paperwork.

Advantage #4

The benefit of a non recourse stock loan is if the share price of the stock drops significantly in value, you can simply walk away from the loan with no personal liability.

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