The following information is regarding the Lending on Common Stock of Public Companies.

This is a great alternative for officers, directors, affiliates and non affiliates who own shares of public companies without the hassles of margin calls or other restrictions that would be imposed on such shares.

Loans can be made on affiliate, non-affiliate and free trading stocks. The rates are around prime, with the term usually between 3-5 years. These are Interest only, no recourse Loans. The Loans can be paid back anytime prior to the due date without penalty.

This program is also available to those public companies that are looking to raise capital for their company.

For companies who are desirous to raise capital, the best buy is fresh cut, restricted stock. The term again is 3-5 years, prime or prime plus, depending on stock price, volume and exchange. 

Companies can payback the loan anytime prior to the due date without penalty. These are Interest only, non-recourse Loans.

LTV (loan-to-value) range from 20-70%, depending on stock price and volume and exchange the stock is listed on.

Procedures in order to receive a non-binding contract is to:

1) give the stock symbol

2) type of stock to be loaned against- restricted, free trading, affiliate, non-affiliate

3) name of signing party (if this is a newly issued company stock, please state so)