Financing and Borrow Cost Review Agent

Holding leveraged positions costs margin interest, and shorting costs borrow fees that can reach 20% a year or more on hard-to-borrow names. These costs show up in a statement weeks later and are rarely compared with the expected gain. This agent reads every position each day with the current financing rate and borrow fee, computes the daily cost and the annualized drag, and compares it with the trade's expected edge. It flags positions where cost exceeds a set share of the edge, such as when the borrow fee eats most of the expected return. It proposes alternatives, such as closing, shifting to a cheaper instrument, using options or moving the position to a broker with lower rates, and checks each alternative for cost and risk. If the cheaper option changes the trade too much, it tries another. The trader approves any action. Edge case: a borrow fee jumps overnight and the agent catches it next scan.