Stock-Backed Lending

Release capital from your shares. Without selling.

Non-recourse liquidity against your listed equity position. Your shares remain your shares, held with an FCA-regulated custodian. Fixed rates, 10 to 14 day funding, loan terms of 3, 5, 7 or 10 years. No credit checks. No personal guarantees. Minimum loan $1 million with no upper limit.

3, 5, 7 or 10 Years · From $1,000,000 · No Upper Limit
OVERVIEW

Executives, founders and family offices frequently hold significant positions: concentrated wealth, tax-inefficient exits. Our stock-backed facility unlocks the value of that position as working capital without triggering a sale, transferring ownership or exposing personal assets. The structure is genuinely non-recourse: if the market moves against the collateral, the lender's only recourse is the pledged stock itself. Client shares are held with an FCA-regulated custodian. This facility is equally suited to high-net-worth individuals and private investors, not only company directors. The minimum loan is $1 million with no upper limit; loan terms are 3, 5, 7 or 10 years.

How It Works

From term sheet to funding.

01

Term Sheet

Confidential enquiry, ticker review and indicative terms within 48 hours.

02

Custody Setup

Shares are held with an FCA-regulated custodian. You retain economic upside and voting rights where permitted.

03

Funding

Loan proceeds wired within 24 hours of the signed closing statement, in USD, EUR or GBP.

04

Live & Repay

Quarterly interest servicing. Return your capital and reclaim your stock at any point in the term.

Structure & Terms

The shape of the facility.

01
Loan Amount
From $1,000,000 USD, no maximum
02
Loan Term
3, 5, 7 or 10 years
03
LTV
40 to 60 percent, subject to stock analysis
04
Interest
From 5.99 percent, fixed
05
Repayment
Quarterly interest. Principal at end of term, in cash or shares
06
Eligible Stock
Free trading shares only. Minimum $200,000 average daily trading volume
07
Exchanges
Over 58 exchanges globally

This facility is available for free trading shares on non-US exchanges. US securities and US citizens are not covered. Eligibility is confirmed before any terms are issued.

Use Cases

Who this works for.

Business Expansion

Fund a new venture, acquisition or capex programme using existing equity as collateral.

Real Estate

Deploy fast into a property or development opportunity while retaining upside in the underlying position.

Tax Deferral

Access liquidity without crystallising capital gains on a low-basis holding.

FAQ

Common questions.

Is the loan really non-recourse?

Yes. The lender's only recourse is the pledged stock. Your personal balance sheet, other assets and other holdings are not encumbered.

Do I keep dividends?

In most structures dividends continue to accrue to you during the life of the facility. Voting rights depend on the exchange and custody arrangement.

What is the minimum loan size?

Facilities start at $1,000,000 USD with no maximum. The loan can be drawn as a lump sum, or in weekly tranches where the position requires it.

How long is the term?

Three, five, seven or ten years. Early repayment is available after three years with no penalty.

Which shares are eligible?

Free trading shares only, with a minimum average daily trading volume of $200,000. Restricted shares cannot be used as security.

Which jurisdictions are covered?

Over 58 exchanges globally. US securities and US citizens are not covered by this facility, and nor are securities based in India, Vietnam, Russia, or Africa outside South Africa. Enquiries in the GCC region are handled under separate conditions.

Is there any cost to explore it?

No. There are no upfront fees, and no penalty at any stage if you decide not to proceed. Nothing binds you until the closing statement is signed.

How long does it take?

Ten to fourteen days from first conversation to funds. Once the closing statement is signed, funds are wired within 24 hours.

Get Started

Speak directly with Gary.

A 30-minute confidential conversation. No intermediaries. No pitch decks. Gary takes every introductory call himself.

Book a Confidential Call