Equity Participation Capital
Investors provide capital for optimal project financing.
Financing the Future of Your Business
Get tailored funding solutions for large-scale projects. From structuring to closing, we make loan success our priority. Reach your financial goals with Wimberly Funding.
Our Unique Services
Explore our tailored financing solutions for diverse needs.
Custom Loan Structuring
We create personalized funding solutions for every borrower.
Timely Financing Solutions
Structured finance for urgent needs ranging from $1M to $500M.
Who We Are
Wimberly Funding is a national and international commercial loan brokerage specializing in connecting clients with experienced lenders, investors, and funding sources for business, commercial, and investment projects worldwide. Acting as intermediaries, not direct lenders, Wimberly Funding facilitates financing for commercial mortgages, business loans, stock loans, hard money loans, and large project developments. Clients are required to provide detailed Executive Summaries, investment-grade business plans, and personal financial information to ensure serious consideration by lenders and investors. With access to a broad network of private investors, merchant bankers, and hedge fund managers, Wimberly Funding helps clients navigate complex financing transactions while maintaining confidentiality and professionalism.
Why Choose Wimberly Funding?
Discover the advantages of partnering with Wimberly Funding for your financing needs.
Flexible Funding Solutions
Loans range from $1M to $500M in the US, and $5M internationally.
Extensive Experience
Years of expertise in structuring diverse loan types.
Full-Service Approach
Dedicated support from loan application to funding.
Equity Participation Options
Customized capital structuring for optimal financial outcomes.
Client Testimonials
Read what our clients have to say about their experience with Wimberly Funding.
Sophia Williams
Wimberly Funding provided swift and reliable funding for my commercial property project.
John Anderson
The team at Wimberly Funding structured the perfect loan for my business, exceeding my expectations.
Emma Parker
I highly recommend Wimberly Funding for their expertise in handling large-scale international loans.
Get in Touch with Us
Contact Wimberly Funding for all your loan needs at our Tallahassee office or via phone and email.
Frequently Asked Questions
Your questions answered for clarity and confidence in our funding services.
Can
my shares remain in the institution they are currently in?
No...Should there be a default, the Lender / Investor would not have any control over the collateral shares…the best solution is to have the shares in an account the Lender / Investor controls.
Will you or your institution be trading my
shares once I transfer them?
The Lender / Investor will likely trade the shares and reserve the right to manage the collateral as they see fit. Our Lender / Investors will discuss this in full detail with the client.
When the client’s shares of stocks are used as
collateral for a stock loan the Lender / Investor may perform “hedging
techniques,” this is done to help mitigate the risks. What do “hedging” mean?
The Lender / Investor will use the most effective method of managing the collateral to minimize risk. This will be discussed in full detail with the client.
How much can I borrow against my stocks, bonds,
or financial instruments?
The loan to value ratio (LTV) varies depending on the intrinsic quality of the securities, (stock), bond or financial instrument. LTVs are calculated based on evaluation of the potential risk and future performance associated with the stock. The loan to value is 45% to 80%. Each loan’s LTV is evaluated on a case – by – case basis.
What is the difference between changing titles
and not changing titles for a stock loan?
Titling the collateral shares is up to the client – as both options are available. There is no difference whether the title is transferred or whether the shares stay in an account in the client’s name at the Lender / Investor, Brokerage / Institution account. The collateral shares will be under the control of the Lender / Investor. No – change – of – title is different…this requires that an account be opened at the Lender / Investor Brokerage Institution and approved by Compliance….this may take a week or longer to set up.
What are my risks – to my shares and to me
personally?
The Lender / Investor may go out of business or become insolvent. If this happens, they will not be able to transfer the shares back to the borrower – the borrower will still have received up to 80% of the value of the stock up front. This means the client will lose the other 20% value of the shares – or the loan may go into default (either from a drop in price or a contractual default) – the result will be the same – the client will have received up to 80% of the value up – front and will lose the other 20% with the default.
What is a non – recourse stock loan?
Non – recourse stock loan is a loan against the value of a stock whereby the shareholder can borrow against a percentage of the stocks market value, at a low interest rate for the term of the loan. At maturity, the loan can be paid off in full or refinanced (provided no default has occurred) and the Borrower will receive back the same number of shares. Alternatively, if the stock price has fallen below the LTV amount, the borrower can simply walk away from the loan without any further consequences or recourse.
How are the loans funded?
Most loans are funded on a DVP (Delivery VS. Payment) basis, which varies from market to market. Both parties coordinate a delivery date with their respective brokerage firms or securities houses to fund the loan. The stock is transferred to the Lenders account simultaneously to the loan funds being transferred to the borrower’s account. Block Trades are different where a Stock Purchase Agreement and Escrow Company are involved. The pre – determined price is determined beforehand and on the escrow instructions.
Once I pay off my loan, even if I pay the loan
off early, how quickly can I move the shares out of the lender’s brokerage /
institution?
Once the loan has been paid back according to the agreement the shares are returned within 10 days.
What types of securities can be used?
Securities must be freely traded, unrestricted and in electronic form – unrestricted loans can be used for collateral on certain foreign exchanges.
What is the minimum liquidity required for a
stock to qualify for a loan?
Liquidity is relative to the size of the security as the block of stock. The loan will be divided into several tranches, each tranche not to exceed 3 – 10 days average volume.
What are the costs involved with the loan
programs?
There are no hidden costs such as application fees, appraisal fees, or any other upfront costs. If a broker or intermediary is involved any fees due can be paid at the time of funding from the loan proceeds.
Why Work with Wimberly Funding?
Our lenders will collaborate with borrowers to structure capital that will fit their investment goals and guidelines. They understand the complexity in today’s markets and provide solutions to help navigate all horizons. Their most common product provides short-term financing for customers that have a special project or need. A small firm might need working capital to fulfill a large order; our Lenders can help and close that transaction in days versus months or weeks. Our lender analysts will evaluate your collateral and make a decision in hours.
What is your Minimum and Maximum loan amount?
The minimum loan amount is $1,000,000.00 USD, $2,000,000.00 all other countries, the maximum loan amount is $500 million USD.
How do I start the process?
The first order of business is to fill out one of our Stock Loan Applications…we will email one upon request.
How long does the loan process take to close?
Loans can close in 10 - 14 days depending on the speed at which the borrower processes the paperwork.
What are the interest Charges and how are they
paid?
Currently interest rates range from 3.75% - 12% depending on the liquidity and risk involved and are generally paid quarterly, semi – annually or a balloon payment however other payment options are available.
Do Wimberly Funding just broker stock loan deals
in the USA?
No, our lenders and funding sources have a broad network of funding sources that have offices in almost every major city or capital, and they do business on the following top 30 exchanges.
What
Exchanges Does Your Lenders Lend On?
Wimberly Funding lenders are on over 80 plus Stock Exchanges in the world. They can lend to the majority of the globe and have the largest lending range and capacity in the world.