Securities Lending
LOW-INTEREST STOCK LOANS
Empowering Your Investments with Reactive Joint Finance's Stock Loans
In the dynamic landscape of international stock loans, particularly prevalent throughout Asia and various global markets, Reactive Joint Finance (RJF) emerges as a beacon of reliability and bespoke financial solutions. We deeply comprehend the multifaceted nature and criticality of stock loans, hence every case is treated with utmost diligence and seriousness, ensuring our clients benefit from an unwavering commitment to complete anonymity with every transaction executed.
At RJF, we not only facilitate but prioritize securing the most competitive interest rates available in the market for you. Our capacity to scrutinize and negotiate deals across a spectrum of brokers empowers us to ensure that your financial arrangements are optimized to your advantage.
Our firm foundation, built over 5 years of symbiotic relationships with our partners, has seen us successfully process stock loans exceeding $300 Million this year alone. Our distinctive approach, amalgamating excellence and efficiency, propels us to be a notable entity in this space, especially recognized for some of the industry's quickest payouts.
We don’t just set standards; we redefine them, particularly in customer service, promising a steadfast commitment to respond to all inquiries and communications within a 60-minute window, underlining our dedication to you. Below you’ll find a representation of the banks utilized by our partners - though our brokerage accounts span across the globe, these constitute just a subset.
While the following sections offer comprehensive details regarding our stock loans, should you find yourself with further questions or in need of additional clarity, please do not hesitate to reach out to us secretary@reactivejointfinance.co.uk.
Steps To Funding
The following is the basic steps to stock loan funding. With this easy to understand guide you can see how quickly you can be funded in full.
Step 1
Send the ticker symbol, stock exchange, reqeusted loan amount and any other loan reqeusts.
Step 4
Following the completion of the KYC, the lenders compliance department and risk management department will send the Loan Agreement.
Step 7
When the shareholders account is open, the sharheolder will instruct their broker to transfer the securities to their new broker account.
Step 2
The lender will send a term sheet with their offer, if the shareholder is happy with the terms, the shareholder is to sign and return the term sheet.
Step 5
Once the shareholder and their legal team has reviewed the MLA, the shareholder and the lender will sign the loan agreement.
Step 8
After the shares have settled, a lien is placed against the pledged collateral and a CMA agreement is signed by all parties. The lender will fund the shareholders custodian account within 3 buisness days.
Step 3
The lender will provide the KYC for the shareholder to complete, they will need to provide all supporting documents in order to receive loan documents.
Step 6
The lender will introduce the shareholder to their partner custodian who will onboard the shareholder as a new client.
Step 9
Once the loan and all fees assocciated are paid back, the securities are freely transferrable to moved to any account of the shareholders choosing.
Conditions In This Section, we have Conditions of Securities Backed Lending.
01.
Dividends if any, are paid to securities owner because the owner is still the official owner of record. Simple interest is paid quarterly.
04.
Non-recourse loans, no corporate or personal guarantee required. The only requirement is that the shares must have trading liquidity.
07.
Minimum loan amount of $5m and maximum $500M*.
10.
Loan terms can be 12 months to a maximum of 5 years.
02.
The loan will be closed remotely and funds can be disbursed in any currency and free to be transferred anywhere.
05.
Stock loans are private, any loan is between the lender and the client. Client confidentially is taken extremly seriously.
08.
Stock must be in electronic form and unrestricted.
11.
No borrower requirement. Securities are the collateral.
03.
The shares are deposited into a bank/broker custodian account or transferred to the lender. The shares are never short traded.
06.
Non-title transfer loans, they are not reportable. There is no tax payable as this is a loan. All Loans are tax free.
09.
Most publicly traded companies in the world are eligible.
12.
We are a direct lender
** At lenders discretion, Terms & Conditions are subject to change due to the type of stock, country, loan amount and market conditions.
* $500K is for the USA and select countries, all others minimum is $750K
The loan is subject to certain fees which vary and depend on the size of the loan. However, the borrower should expect to pay to the lender an origination fee of 0-5% of loan amount. Origination fees are paid from loan proceeds. No upfront or application fees are required for stock loans.
