The borrower initially receives an bundle of filthy lucre from the lender, which they pay back, as usual but not always in regular installments, to the lender. This service is generally outfitted at a cost, referred to as excitement on the debt. A borrower may be subject to doubtful restrictions popular url as loan covenants under the terms of the loan.

A stock hedge loan is a distinctive type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk.