What companies offer stock loans?

Brokerage margin & SBLOCs — credit inside or alongside wealth management custody; standardized grids and integrated trading rules. Specialty stock loan lenders — bespoke term sheets for larger or more complex portfolios, sometimes with different recourse emphasis. Private banks — may bundle credit with broader relationships and minimums. Labels in marketing blur—verify who is creditor of record, where funds settle, and who enforces collateral. Educational: who offers stock loans (guide).

Shortlist credible counterparties with transparent documentation. Request indicative terms on the same collateral set. Compare advance rate, rate type, term, covenants, fees, and remedies—not headline APR alone. Run basic diligence on licensing where applicable. Involve counsel before you wire funds. Use stock loans and rates & terms to structure questions.

Better structural fit — a program aligned to your custody and timeline. Pricing awareness — competitive tension when multiple desks can bid. Risk clarity — understanding maintenance tests before you need them. Start from the stock loans hub so vocabulary is shared across conversations.

Opaque introducers, pressure to wire unrelated fees, and promises without statements are warning signs. Thin documentation should disqualify a counterparty—not excite you. Cross-border borrowing adds sanctions and custody risk; “offshore only” is not a synonym for better—verify substance.

Fast revolving needs — sometimes SBLOC/margin channels win on integration—compare covenants. Large concentrated equity — specialty lenders may craft covenants; see executives & RSUs. Business bridges — business owners may prioritize term clarity over app convenience.

Review how it works, then get started with statements and goals. For background on lines, read what is an SBLOC.