Wimberly Funding
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Our Stock Loan Options

Wimberly Funding is a U.S.-based stock loan brokerage serving clients nationally and internationally. We are not registered U.S. broker-dealers, nor licensed to buy or sell securities. All transactions are handled on a best-efforts basis, with lending commitments made only by our network of lenders and investors.
We arrange non-recourse stock-backed loans ranging from $1 million to $500 million through term loan programs of 3–10 years. Our lenders offer innovative financing structures that competitors often cannot match, thanks to deep experience and substantial long-term capital resources.

Key Advantages:

Confidential & Potentially Tax-Free

Loans may be tax-free and unreportable in some jurisdictions. Shareholders can raise cash, defer taxes, and keep transactions private. (Borrowers should confirm local tax and reporting laws.)

No Upfront Fees

No application or upfront fees for securities or stock loans. An origination fee of 0–5% is deducted from loan proceeds.

Flexibility

If your stock value drops significantly, you can walk away from the loan with no personal liability. If it rises, repay the loan and reclaim your shares.

Terms of a Typical Stock Loan:

(1). Below Market Rates

(2). Loan – to – Value (LTV) 80%

(3). Interest Rate: 3.5% - Paid Quarterly

(4). Non - Recourse Stock Loans, No Corporate or Personal Guarantee Required

(5). Term 24 – 120 Months

(6). Pre - Pay: After 12 Months

(7). Dividends: Paid to client

(8). Fast Closing: Closing in 10 – 14 days.

(9).   No Upfront Fees

(10). No Income Required

(11). No Employment Required

(12). Pre – Pay Early Terms Available

Basic Terms and Requirements of a Typical Stock Loan:

(1). Minimum Loan Amount US $1,000.000.00

(2). Most Foreign Exchanges

(3). Your Stocks Must Be Free Trading. Suspended Trading or Restricted Stock Is Not Eligible.

(4). Private Stock or Stock That is Not Trading on a Major Securities Exchange is Not Eligible

(5). Execute a Loan Agreement and Lender Lien Agreement

(6). Shares Can Not Be Assigned or Lien-ed By A Third Party While with Custodian

(7). Non – Recourse Stock Loans Are Available to All World Citizens

(8). Stock Shares Are Kept In A Bank Custodian in Your Home Country

(9). Loan Will Be Closed in Borrowers Country and Funds Can Be Disbursed in Any Currency and Free to Be Transferred Anywhere. No Restrictions Whatsoever on Use of Funds.

(10). There Are no Borrower Requirements – The Securities Are the Collateral – The Loan is Against Stock & Securities – Not the Borrower

(11). Loan Proceeds to be Used for Any Purpose and Not Restricted in Any Way

(12). No Ownership Transfer of Stock or Securities

(13). Dividends Are Paid to Stock & Securities Owner Because Owner is Still Official Owner of Record

Typical Loan Process:

Step (1). Borrower must fill out Wimberly Commercial Loan stock loan application…borrower must provide ticker symbol, stock exchange, desired loan amount and number of shares to be pledged. Shares must be in unrestricted and electronic form.

Step (2). The Lender provides the borrower with a detailed Term Sheet.

Step (3). Borrower reviews and signs the Term Sheet.

Step (4). Borrower provides a copy of a current Brokerage Statement and a Photo ID.

Step (5). The borrower fills out the KYC (Know Your Customer) form.

Step (6). Lender verifies securities ownership (if necessary)

Step (7). Lender prepares and submits loan documents.

Step (8). Loan documents are signed & notarized by borrower.

Step (9). Upon execution of Loan Agreements, the lender and borrower will make arrangements to transfer borrower securities to the lender or custodian bank / transfer agent.

Step (10). If a custodian is used, then a 3 – way agreement is signed by the borrower, the lender, and the custodian and a “Closing Statement” is prepared. Client deposits the shares with the custodian bank / transfer agent or lender.

Step (11). Lender wires the funds to any account in any country that the borrower chooses. The borrower is in possession of funds and may transfer elsewhere or withdraw. The lender does not control use of funds or the country that borrower chooses to receive funds in.

Step (12). Share transfers are confirmed & verified.

Step (13). Loan is funded in accordance with loan documents.

At lenders’ discretion, Term & Conditions are subject to change due to type of stock, country, loan amount and market conditions.

Wimberly Funding LLC lenders will provide their customers with clear and easy to understand financing options. Structured financial solutions, excellent client service, solid liquidity, and borrower protection.  Our lenders will accept all forms of free – trading or publicly traded securities on Most Foreign Stock Exchanges. Stock must meet market standards to qualify for lending. Meaning, there must be a fair amount of trading and liquidity for the stock.

If you are a share – holder with a stock security listed on any world stock exchange, contact us to receive a free no obligation quote. Our lenders/investors will work to help you understand how the entire process works and can benefit you and your financial situation – we can get a stock loan quote out to you usually within 24 to 48 hours, after we receive a completed Stock Loan Application.
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Disclaimer:

Wimberly Funding and its affiliates do not give legal or tax advice. Please refer to the terms / closing documents for specific terms applicable to you. We recommend contacting a professional about your country's tax and securities laws.