Unlocking Financial Flexibility: A New Lending Program for Investors

Understanding the Lending Program

Access to affordable credit is crucial for growth. Our lending program is designed specifically for investors who own publicly traded stocks outside the U.S. This program allows you to leverage your stock ownership to secure loans at significantly lower interest rates.

Imagine having the ability to borrow against your stocks without the burden of high-interest rates. This program is here to help you achieve that.

Eligibility Criteria and Loan Security

This lending program targets borrowers who own publicly traded stocks, excluding U.S. companies. The key eligibility criterion is the ability to pledge up to 75% loan-to-value (LTV) against these stocks. This means if you hold $10 million worth of eligible stocks, you can borrow up to $7.5 million under this program.

The exclusion of U.S. stocks reflects the program’s focus on international markets, where borrowing options are often limited or costly. By using these stocks as collateral, borrowers gain access to substantial liquidity without selling their holdings or triggering taxable events.

How This Program Compares to Traditional Bank Loans

In many foreign countries, banks charge interest rates over 40% for unsecured or business loans. Such high rates can quickly erode profits and limit the ability to invest in growth or manage cash flow. By contrast, this lending program offers:

• Interest rates under 6% per annum, fixed for the loan term

• Interest-only payments, reducing monthly cash outflows

• Flexible loan terms from 3 to 10 years, allowing borrowers to plan repayments comfortably

  
  

This stark difference in cost makes borrowing against stock ownership a compelling alternative to expensive bank debt.

Benefits of Borrowing Against Stock Ownership

Borrowing against stocks provides several advantages beyond lower interest rates:

• Retain ownership and potential upside: You keep your stocks during the loan term, benefiting from dividends and price appreciation.

• Non-recourse loans: The loan is secured only by the pledged stocks, with no personal guarantees required. This limits personal financial risk.

• No credit or business financial reviews: The program focuses on the value of your stock collateral, simplifying and speeding up approval.

• Fast closing and funding: Borrowers can access funds quickly, often within days, to seize opportunities or manage urgent needs.

  
  

These features make the program ideal for investors who want liquidity without sacrificing control or exposing themselves to personal liability.

Program Highlights

The lending program is designed to accommodate a wide range of borrowing needs and preferences:

• Loan amounts from $1 million to $500 million or more: Suitable for individual investors, family offices, and institutional clients.

• Flexible terms between 3 and 10 years: Choose a repayment schedule that fits your financial plans.

• Low, fixed interest-only payments: Manage cash flow efficiently without principal amortization during the loan term.

• Retention of stock ownership: Maintain your investment positions and potential market gains.

• Non-recourse structure with no personal guarantees: Protect your personal assets beyond the pledged stocks.

• No credit review or business financials required: Streamlined process focused on collateral value.

• Fast closing and funding options: Access capital quickly to meet your financial goals.

  
  

Practical Example

Consider an investor holding €20 million worth of publicly traded European stocks. Under this program, they could borrow up to €15 million (75% LTV) at a fixed interest rate of 5.75% per annum. With interest-only payments, their annual interest cost would be approximately €862,500, compared to over €6 million if borrowing at 40% interest from a local bank.

This difference frees up capital for reinvestment, business expansion, or other strategic uses. The investor retains full ownership of their stocks, benefiting from any dividends or price appreciation during the loan term.

Who Can Benefit Most?

This lending program suits a variety of borrowers, including:

• Investors seeking liquidity without selling stock holdings

• Businesses needing capital but facing high local bank rates

• Family offices managing diversified international portfolios

• High-net-worth individuals looking for flexible, low-cost financing

• Companies requiring bridge loans or growth capital with minimal documentation

  
  

By offering a non-recourse, collateral-based loan, the program reduces barriers and risks typically associated with large loans.

Steps to Apply and Access Funds

Applying for this loan program involves a straightforward process:

1. Initial consultation: Discuss your stock holdings and borrowing needs with a lending specialist.

2. Collateral evaluation: The lender assesses the value and eligibility of your publicly traded stocks.

3. Loan proposal: Receive a customized loan offer detailing terms, interest rate, and loan amount.

4. Documentation and approval: Minimal paperwork focused on stock ownership; no credit or financial reviews required.

5. Closing and funding: Quick execution of loan documents and transfer of funds, often within days.

   
   

This streamlined approach helps borrowers avoid lengthy bank procedures and access capital when it matters most.

Conclusion

In today's financial landscape, access to affordable credit is essential for growth and stability. Our lending program offers a unique solution for investors holding publicly traded stocks outside the U.S. By leveraging your stock ownership, you can secure loans at competitive rates, ensuring you have the financial flexibility to thrive.

If you're ready to explore how this program can benefit you, don't hesitate to reach out. Together, we can unlock new opportunities for your financial future.

For more information on how to get started, visit Atlas Trade Finance Ltd.