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Securities-Backed Lending · Global

Your Shares Are Worth MoreThan You Think

Platinum Global Bridging Finance arranges bespoke stock loans, single stock loans, and institutional securities financing for shareholders, family offices, and corporate clients across more than 100 exchanges worldwide — without requiring a single share to be sold.

$1M – $750M+Loan Sizes

3–14 DaysTo Funding

45–80%Typical LTV

100+Exchanges Covered

Shareholders sitting on significant listed equity positions often face a familiar dilemma: the wealth is visible on paper, yet genuinely difficult to access without taking the drastic step of selling shares — triggering taxes, losing exposure to future growth, and potentially signalling something unwanted to the market.

There is a better way. At Platinum Global Bridging Finance, we specialise in arranging stock loans and global stock loans that allow shareholders to draw capital directly against the value of their holdings — while keeping every share exactly where it is. Whether you are a high-net-worth individual, a corporate executive, a family office, or an institutional investor, a tailored stock loan could be the most tax-efficient and discreet source of liquidity you have never considered.

This guide explains how do stock loans work, who they suit, what structures are available, and why our global lender network consistently delivers terms that clients cannot find through their existing banking relationships.

🔍Fundamentals

Understanding Stock Loans: The Fundamentals

At their core, what are stock loans? Put simply, what is stock loans — it is a form of asset-backed borrowing in which a shareholder transfers their listed equity to a lender as security, in exchange for a cash advance. The borrower continues to benefit economically from their shareholding — including price appreciation — throughout the loan term, without being required to dispose of their position.

Depending on the structure chosen, these facilities may be referred to as loans using stock as collateral, loans with stock as collateral, or stock collateral loans. The terminology varies across markets and lenders, but the fundamental mechanics are consistent: shares are pledged, capital is released, and the borrower retains their long-term position in the company.

This approach has grown considerably in popularity among sophisticated investors and corporate shareholders who want to preserve their strategic equity holdings while simultaneously meeting capital requirements — whether personal, commercial, or investment-related.

"Pledging shares rather than selling them is one of the most underused capital strategies available to wealthy shareholders — and one of the most elegant."

🌍Client Types

Who Uses Share-Secured Lending?

Our client base spans continents and industries. We regularly arrange stock loans UK for British shareholders and stock loans USA for American clients, while our international reach encompasses Asia-Pacific, the Middle East, sub-Saharan Africa, Latin America, and Continental Europe. Geography rarely presents a barrier — what matters is the quality and liquidity of the underlying shares.

Clients seeking private stock loans typically include founders preparing for a business sale, directors managing cash flow between bonus cycles, and private investors who have built concentrated positions over many years and need short-to-medium-term capital without losing their upside. For family offices managing diversified multi-asset portfolios, stock portfolio loans offer an elegant way to generate working capital from equity without disrupting the broader investment strategy.

We also work extensively with clients whose shareholdings have been declined by their existing financial institutions. Stock broker loans through mainstream channels often come with rigid eligibility criteria and restrictive LTVs. Our independent lender panel operates with considerably more flexibility, and our stock equity loans are structured around the specific characteristics of the shares — not the borrower's credit profile or banking history.

🛡️Loan Structure

Recourse vs. Non-Recourse: Choosing the Right Structure

One of the most important decisions in any share-secured transaction is the choice between recourse and non-recourse structures. Our most requested product is the non recourse stock loans facility — a structure in which the lender's claim against the borrower is strictly limited to the pledged shares. Should the share price decline significantly and the borrower choose to surrender the position, there is no further obligation: no personal liability, no corporate guarantee, no credit reporting, and no recovery action against other assets.

This limited-liability design is what distinguishes stock backed loans from conventional margin lending, where a falling share price can trigger margin calls, forced liquidations, and residual debt obligations. For shareholders holding concentrated or high-value positions, non-recourse structures provide meaningful downside protection alongside the capital they need.

For borrowers seeking higher advance rates and willing to accept broader lender rights, full-recourse stock based loans may be more appropriate. Our advisory team guides clients through the trade-offs of each structure to arrive at terms genuinely aligned with their financial objectives and risk tolerance.

📊Use of Proceeds

What Can the Capital Be Used For?

Proceeds from stock secured loans carry no restrictions on use. Borrowers have complete freedom to deploy the capital wherever it generates the greatest value. Common applications include:

Acquiring residential or commercial property in the UK or internationally
Funding business acquisitions, management buyouts, or corporate expansion
Building diversified investment positions to offset concentration risk
Covering tax liabilities arising from employee share schemes or vesting events
Financing personal expenditure, philanthropy, or estate planning goals
Bridging liquidity gaps ahead of anticipated events such as IPOs or secondary sales
Refinancing existing short-term debt on more favourable long-term terms

A particularly compelling use case involves stock pledge loans taken out ahead of a large capital gains bill. Rather than selling shares to cover a tax liability — and thereby crystallising an even larger gain — shareholders borrow against their position, meet the obligation in cash, and retain the underlying equity entirely intact.

⚡Facility Terms

Facility Terms and Key Parameters

Facility Size: $1M – $750M+

We accommodate facilities of all sizes, from individual shareholder positions to large institutional or corporate blocks requiring bespoke syndication.

Loan-to-Value: 45–80%

Advance rates are calibrated to the liquidity, volatility, and market depth of the pledged stock. Blue-chip positions typically attract the highest LTVs.

Drawdown: 3–14 Business Days

Our streamlined process and direct lender relationships allow us to move quickly from initial terms to funded facility — critical when capital is needed urgently.

No Credit Assessment

Underwriting decisions are made entirely on the pledged securities. Personal income, credit score, and existing liabilities are not factors in lender approval.

Interest From 6% Per Annum

Rates are determined by share quality, term length, and prevailing conditions. All costs are fully disclosed in advance — there are no hidden fees.

Absolute Confidentiality

Every transaction is handled with full discretion. No public announcements, exchange filings, or regulatory disclosures arise from the lending arrangement itself.

No Personal Guarantee Required

Under non-recourse structures, the borrower's maximum exposure is the pledged shares. There is no obligation against any other personal or business asset.

Flexible Loan Terms

Facilities run over 12, 24, and 36 months, with extensions and refinancing options considered on a case-by-case basis to support longer-term strategies.

🌐Market Coverage

Global Exchange Coverage

Our global stock loans panel covers shares listed across more than 100 stock exchanges in every major region. Whether your equity is held on the NYSE, NASDAQ, London Stock Exchange, Hong Kong Exchange, Singapore Exchange, ASX, Euronext, or Deutsche Börse, our lender network has the appetite and expertise to assess it and propose financing terms.

Beyond the major exchanges, we have lender relationships that extend to OTC markets including OTCQX, OTCQB, and Pink Sheets, as well as growth markets such as AIM in London and regional bourses across Southeast Asia, the Middle East, and Africa. For clients holding shares in less liquid or emerging market names, we identify specialist lenders within our network who understand the specific dynamics of those markets.

We source stock loan facilities for clients across the United Kingdom, Continental Europe, North America, South America, the Middle East, Sub-Saharan Africa, and the entire Asia-Pacific region. Our international lender relationships mean competitive terms are achievable regardless of where your shares are listed or where you are based.

📌Product Spotlight

Single Stock Loans: Capital From One Position

A single stock loan is a financing facility drawn against one specific listed equity. Rather than aggregating multiple holdings into a portfolio structure, the borrower pledges a single line of stock — typically a concentrated position built up through founding equity, employment share schemes, or long-term investment — and receives a cash advance against its assessed value.

The single stock loan model is particularly well suited to founders, early-stage investors, and executives who have accumulated large positions in a single company. For these clients, selling in the open market is often unattractive — it sends negative signals, triggers substantial capital gains, and permanently removes exposure to future performance. Pledging the shares instead preserves all of that while releasing capital that can be deployed immediately elsewhere.

Executives operating under share retention policies, insider trading windows, or contractual lock-up agreements also find single stock loans especially valuable. Since no disposal takes place, compliance obligations are generally unaffected — though clients are always encouraged to take independent legal advice on their specific circumstances before proceeding.

🏢Corporate Solutions

Loans Against Company Shares and Public Company Financing

Securing a loan against company shares is often the most practical capital solution available to directors, founders, and major shareholders of listed businesses. Rather than approaching a bank for a personal loan — involving income verification, credit assessments, and lengthy approval processes — shareholders can draw down against an asset they already own: their equity in the company they have built or invested in.

Public company stock loans are structured with the particular circumstances of listed company shareholders in mind. Lenders assess the trading history, market capitalisation, and sector profile of the relevant stock to determine appropriate advance rates and terms. For shares in well-established companies with strong liquidity, the process is straightforward and typically closes within two weeks of an initial inquiry.

We arrange public company stock loans for shareholders at all levels of the register — from individuals holding a few million pounds of equity to institutional shareholders managing multi-hundred-million-pound positions. In every case, the goal is the same: release the capital locked inside the shares without triggering a sale, losing voting rights, or attracting unwanted market attention.

🏦Institutional Finance

Institutional Stock Loans and Our Lender Network

Institutional stock loans operate at a different scale and with a different set of considerations to individual client facilities. Corporates, sovereign wealth funds, investment managers, and large family offices frequently require financing structures that accommodate complex custodial arrangements, cross-border regulatory environments, multi-currency requirements, and the expectations of investment committees and trustees. Our team has specific experience arranging institutional stock loans that meet these demands without compromising on speed or commercial terms.

Central to our ability to deliver for institutional clients is the depth and quality of our stock loan lenders network. Our panel encompasses private banks operating across multiple jurisdictions, specialist securities finance desks at investment banks, hedge funds with appetite for less liquid or concentrated positions, and dedicated asset-backed lenders focused exclusively on equity-secured facilities. This diversity means we can source competitive terms even for transactions that fall outside the appetite of any single institution.

Our stock loan lenders are active across London, New York, Hong Kong, Singapore, Geneva, and Dubai — financial centres that together provide the custody and settlement infrastructure for the vast majority of global listed equity. Wherever your shares are held and whatever structure best fits your circumstances, we have the lender relationships and transactional experience to put the right facility in place efficiently and discreetly.

❓FAQ

Frequently Asked Questions

What are stock loans and how do they work?+

What are residual stock loans?+

How do stock loans differ from standard margin lending?+

What are bank stock loans?+

How do I identify the best stock loan lenders for my situation?+

Can directors and founders borrow against shares in their own company?+

Are single stock loans available for smaller or mid-cap companies?+

#StockLoans#SingleStockLoan#GlobalStockLoans#SecuritiesFinancing#NonRecourseLoans#HNWFinance#FamilyOffice#ShareFinancing#StockBackedLoans#PrivateWealth#LiquidityPlanning#AlternativeFinance#WealthManagement#StockSecuredLoans#InstitutionalFinance#PublicCompanyLoans#StockLoanLenders#PlatinumGlobalBridgingFinance#CapitalSolutions#InvestorFinance

Speak to Our Team About Your Shareholding

If you hold listed shares worth $1M or more and want to explore what capital could be released against them, get in touch with our team today. We will assess your position, approach the most suitable lenders within our panel, and come back to you with indicative terms — typically within 24 to 48 hours, in complete confidence.

Enquire About Stock Loans →

platinumglobalbridgingfinance.co.uk

Stock Loans for High Net Worth Individuals & Family Offices

Stock Loans

We provide stock loans for high net worth individuals, family offices, private clients and corporate executives worldwide. Whether you hold shares on the NYSE, LSE, HKEX, Euronext, or any other major exchange, our stock loan facilities provide liquidity from $1m to $750 million+ without selling your holdings.

We arrange stock loans and single stock loans through a vetted panel of global lenders, providing high-net-worth individuals, corporates, and family offices with fast, non-dilutive access to capital. Facilities are structured on competitive terms against listed, restricted, or concentrated shareholdings, with flexible loan sizes, bespoke LTVs, and rapid execution without forcing asset sales.

We help clients unlock liquidity from their portfolios without selling securities in as little as 7–14 days, working with private banking, off-market lenders backed by investment portfolio funds and high-net-worth capital that traditional banks don’t provide.

Our lending network includes banks, investment banks, financial institutions, hedge funds, family offices, private lenders, asset managers, and high-net-worth individuals. This wide reach allows us to structure tailored stock loan solutions—even for clients holding low-volume or thinly traded securities. Stock loans can release equity faster than traditional lending offered against a clients normal financial assets.

Our global lending panel provides stock lending loan services across the UK, Europe, the USA, South America, South Africa, Hong Kong, Malaysia, Thailand, Singapore, and wider Asia.

With worldwide coverage, we help clients secure the most competitive stock loan terms available.

We arrange a broad range of loan financing solutions which include stocks:

Our lender network can also provide funding against trade-able corporate bonds, mutual funds, and other market-listed instruments.

If your asset carries a valid ISIN code, our international stock loan providers can source lending terms tailored to your needs.

You can read more here about to 10 benefits to using stock loans to help release liquidity from your shares.

What Types of Stock Loans Do Our Lenders Offer?

Non-Recourse Stock Loans

A non-recourse stock loan allows investors to borrow against the value of their shares with low interest rates while limiting risk. If the loan defaults, the lender’s only recourse is to take the pledged stock—your other assets remain completely protected.

This makes non-recourse loans ideal for clients who want quick liquidity without selling their shares and without exposing themselves to personal liability. Funds can be used for almost any purpose, including property purchases, business expansion, or personal investments.

Stock loans are used by the wealthy as a method of generating cash while not having to incur taxes by selling the shares. They can also benefit from the upside appreciation if the stock increases in value.

Margin Stock Loans

A margin stock loan allows investors to borrow funds from a brokerage firm using their own securities as additional collateral. The investor contributes a portion of the purchase price (the margin), while the broker lends the remaining amount.

The loan size is determined by the value of the securities held and the broker’s margin requirements. This type of financing increases an investor’s purchasing power and potential returns but also carries significant risk. If the pledging securities lose value and fall below the maintenance margin, the broker can issue a margin call, requiring the investor to add more funds or risk having their securities sold to cover the loan.

Margin loans can be used for any purpose, from investment strategies and opportunities to personal liquidity needs.

Repurchase (Repo) Stock Loans

A repurchase agreement (repo stock loan) is a short-term financing transaction where securities are sold with an agreement to repurchase them later, typically within 2 to 3 years, at a fixed price.

In practice, this functions as a collateralized loan—the borrower receives cash, while the lender holds the securities as security. The lender earns interest on the loan, and the borrower security gains liquidity without permanently selling their shares.

Repo stock loans are commonly used by financial institutions and investors for short-term liquidity management and are considered relatively low-risk due to the collateralization of the securities. Like other stock loans, funds can be applied to almost any purpose.

It is worth noting that stock loans can be used for business and personal use to help release equity.

What Are the Benefits of a Single Line Stock Loan?

A single line stock loan allows investors to unlock liquidity by borrowing against one specific stock holding, rather than a diversified portfolio. These loans are fast, flexible, and designed to give clients access to capital while keeping their shares in place.

Key Benefits of a Single Line Stock Loan:

Fast Liquidity: Access cash in 10 days or less.
Market Conditions Protection: Borrow without selling, protecting against market volatility.
Low, Fixed Rates: Interest rates starting from 6%.
Non-Recourse & Margin Options: Flexible structures depending on your needs.
Transparent Process: No upfront or hidden fees—deducted from loan proceeds.
No Credit Checks: Approval based solely on your shares.
No Personal Guarantees: Your liability is limited to the pledged stock.
Privacy Assured: 100% confidentiality on all transactions.
Flexible Use of Funds: Use proceeds for property, business, or personal needs.
Competitive Loan-to-Value: From 45% up to 80% LTV.
Broad Market Eligibility: Financing available for recent IPOs, OTC markets (OTCQX, OTCQB, OTCBB, Pink Sheets), and AIM-listed stocks on the London Stock Exchange.
Active Buyer Network: Our lenders have buyers ready for OTC and AIM-listed shares.
Loan Options: Choose between rehypothecation and non-rehypothecation structures for maximum flexibility.

What Is a Stock Loan?

A stock loan is a financing solution that allows owners of publicly traded securities to unlock the value of their holdings without selling them. By pledging shares through a stock loan program or other share financing transactions, investors and corporations can access liquidity tied up in their equity positions.

These programs are designed for corporations, employees, officers, and major shareholders of publicly traded companies, while maintaining total privacy for all clients.

At Platinum Global Bridging Finance, our goal is to help you secure the best financing structures available in today’s market. Whether you’ve never considered a stock loan, share financing, or proprietary liquidity programs, we explain your options and show how a pledged share plan can put capital directly in your hands.

We focus on providing:

Competitive rates
Low fees
Flexible terms
Personalized solutions tailored to your portfolio

With our expertise, you can unlock the liquidity you need while keeping your investments intact.

Learn more about loans against shares in the UK

Do Stock Loans Work for Fast Funding?

At Platinum Global Bridging Finance, we work closely with a network of trusted stock loan providers to deliver fast, transparent, and confidential financing. Our connections with multiple lenders allow us to structure each transaction according to your specific needs, providing liquidity quickly without disrupting your investments.

Funds from stock loans can be used for:

Personal or business purposes
Diversifying or hedging market positions
Investment opportunities

Our process is fast, with transactions typically closing in 3 to 7 business days, and same-day funding available in certain cases.

Typical Loan Amounts for Stock Loans

Through our network of private institutions, we can arrange recourse and non-recourse single stock loans ranging from $100,000 up to $2 billion USD.

Key considerations include:

The securities must meet a minimum turnover requirement, though we work with lenders who accept low-turnover stocks.
Loan terms are typically 3 to 5 years, with interest-only payments or modest maintenance fees, payable quarterly or semi-annually.
Many loans are non-recourse, meaning clients can walk away without further liability, personal guarantees, or corporate guarantees.

In case of default:

No credit bureau reporting
No public notices or government filings
No negative impact on your credit score

Note: Due to legal and tax complexities, clients should consult qualified legal and tax advisors before entering into stock loan agreements.

How to Obtain a Credit Facility for a Stock Securities Loan

1. Submit an Inquiry

Provide your equity symbol (ticker code) and the desired loan amount.

2. Viability Assessment

We determine the maximum loan amount based on your stock value, interest rate, and the lender’s risk evaluation.

3. Term Sheet Issued

A proposed term sheet is sent for your review, outlining key loan details.

4. Negotiate Terms

Loan terms are discussed and finalized to meet your requirements.

5. Contract Review

We provide the securities lending agreement for your review and signature.

6. Coordinate Delivery

Both parties coordinate the share transfer with their respective brokerages.

7. Funding

Transactions are typically funded within 3 to 7 business days, with expedited options in special cases.

GET IN TOUCH

Stock LoanPre IPO LoansUnlisted Stock LoansSecurities Backed Lending144 Restricted Stock LoanInstitutional Bond LoanBridging Loan For SharesPortfolio LoanOther Finance Type

Client Types

Family Asset Management

We fund Family offices clients stocks to help them with solutions to finance investments, purchases, and cash flow.

Publicly Traded Companies

We help companies source efficient, cash flow and shareholder-friendly capital for any business need they require.

Executives | Directors

We fund key persons in publicly traded companies to liberate capital in their primary company shareholdings while retaining their ownership of shares.

Personal Stock Holders

We work with personal clients and assist them in optimizing their investments while meeting their cash flow needs.

STOCK LOAN BENEFITS

NON-RECOURSE LOANS

Our funds offer you the flexibility of being able to walk away from the loan at any time without hurting your credit rating or having to bring in additional collateral or cash like you do with traditional margin lending. No personal guarantee is required.

NO CREDIT CHECK REQUIRED

We work with direct lenders and the loan is only secured by the portfolio. Our loan packages are all under-written in-house so you communicate directly with the lender and receive personalized service and attention to detail.

COMPETITIVE (LTV) RATIO

The loan to value we offer is based on market conditions, market sector, historical performance, and anticipated future performance. Typical LTV ratios range from 45-65%.

FAST CLOSING AND FUNDING

Since our funding is underwritten in-house, we can get to closing quickly and fund your loan within 3-7 business days. Your funds will be wired directly into your bank account. Most lenders in this space have anticipated closing times of 2-3 weeks.

LOW RATES AND FLEXIBLE TERMS

We offer competitive rates based on the current prime interest rate and loan terms of 12, 24, and 36 months. Since rates can change, we encourage you to start the application process as soon as possible so we can lock you into the best rate.

PRIVATE AND CONFIDENTIAL

Your transaction is completely private and confidential. All information regarding your loan is stored securely in our processing center, and only we have access to the details of your loan.

What Is A Non-Recourse Loan For Stocks?

Stock Loan

A non-recourse loan also known as a loan for stocks is a type of loan that uses shares in a publicly-traded company to secure the loan. It is an excellent way for individuals and business owners to tap into the value of their portfolio easily and quickly without having to wait too long for the money.

Securities-based lending can be a critical financing source for entrepreneurs and can be used by companies or people to raise much-needed financing. A securities loan is a resource they can quickly access to fund business operations.

The loan stock amount is determined by a loan-to-value (LTV) ratio which means the loan amount may equal 50% of the value of the shares needed to secure the loan.

In addition to other criteria, the maximum loan amount available to a borrower depends on:

Market conditions
Average trading volume
Historical share price and volume performance
Total number of shared owned
Total market capital
Market sector

Why Would Someone Need A Non-Recourse Stock Loan?

The ability to convert a majority of the current market value of securities into cash collateral without selling them outright is an attractive option for many shareholders. With that value unlocked from their shares, individuals and business owners can get the liquidity they need with ease and without visiting the bank. Using asset-backed lenders that can lend against portfolios and securities lending is an ideal way to access liquidity fast and at low-interest rates.

What Are The Benefits of A Non-Recourse Stock Loan For Businesses?

Liquidity – Lending is a fantastic option when an individual or business owner needs a quick financing option. It turns equity into cash with ease.
Interest-only – No ambiguous or hidden charges; funds are an interest-only, transparent loan option. There are no never-ending charges that seem to extend the credit unnecessarily.
Accessible – These are available to almost anyone. You don’t need a credit check to access one for your individual or business needs. The process is painless and straightforward, and your money is delivered to you most conveniently.
Privacy – It provides borrowers with a trustworthy source of capital. All transactions are private and kept in strict confidence.
Competitive – Lenders offer you competitive and flexible interest rates. You typically receive better terms than you would get from a traditional marginal loan.

Re-Cap of Benefits Of A Non-Recourse Stock Loan

There are a number of key advantages to using funding for an equities-related transaction from our lenders.

Fast transaction & funding
Non-recourse
No personal or Corporate guarantee.
Fast and easy loan closing.
No credit reporting in the event of a default
Private & confidential
Quick closing offers the ideal loan solutions.
Reduce the need for traditional bank recourse financing
No out-of-pocket expenses or upfront fees
Low-interest rates or Maintenance Fees
Fair share pricing using a three, five days or 30-day average
Flexible terms
Large transaction amounts are accepted
Minimum lending USD100,000
No maximum lending

Stock Exchanges We Cover

NORTH AMERICA

Alberta Exchange, Canada
Montreal Exchange, Canada
Toronto Exchange, Canada
Vancouver Exchange, Canada
Winnipeg Exchange, Canada
Canadian Market Reports, Canada
Canada Stockwatch, Canada
AMEX, United States
New York Stock Exchange (NYSE),United States
NASDAQ, United States
The Arizona Exchange, United States
Chicago Exchange, United States
Chicago Board Options Exchange, United States
Chicago Board of Trade, United States
Chicago Mercantile Exchange, United States
Kansas City Board of Trade, United States
Minneapolis Grain Exchange, United States
Philadelphia Exchange, United States

ASIA

Sydney Futures Exchange, Australia
Shenzhen Exchange, China
National Exchange of India,India
Bombay Exchange, India
Jakarta Exchange, Indonesia
Indonesia NET Exchange,Indonesia
Nagoya Exchange,Japan
Osaka Securities Exchange, Japan
Tokyo Grain Exchange, Japan
Tokyo International Financial Futures Exchange (TIFFE), Japan
Tokyo Exchange, Japan
Korea Exchange, Korea
Kuala Lumpur Exchange, Malaysia
New Zealand Exchange, New Zealand
Karachi Exchange, Pakistan
Lahore Exchange, Pakistan
Singapore International Monetary Exchange Ltd. (SIMEX), Singapore
Taiwan Exchange, Taiwan
Exchange of Thailand, Thailand

EUROPE

EASDAQ, Belgium
Zagreb Exchange, Croatia
Helsinki Exchange, Finland
Paris Exchange, France
LesEchos: 30-minute delayed prices, France
MATIF, France
Frankfurt Exchange, Germany
Athens Exchange, Greece
Budapest Exchange, Hungary
Italian Exchange, Italy
Macedonian Exchange, Macedonia
Russian Securities Market News, Russia
Ljubljana Exchange,Inc., Slovenia
Barcelona Exchange, Spain
Madrid Exchange, Spain
MEFF: (Spanish Financial Futures & Options Exchange), Spain
Stockholm Exchange, Sweden
Swiss Exchange, Switzerland
Istanbul Exchange, Turkey

SOUTH AMERICA

Chile Electronic Exchange, Chile
Santiago Exchange, Chile
Bogota Exchange, Colombia
Nicaraguan Exchange, Nicaragua
Trinidad and Tobago Exchange, Trinidad and Tobago
Caracas Exchange, Venezuela
Venezuela Electronic Exchange, Venezuela
Colombia Exchange
Lima Exchange
Mexican Exchange
Santiago Exchange
Bolivian Exchange
Buenos Aires Exchange
Bolsa de Comercio de Bahía Blanca
Mercado Abierto Electrónico

AFRICA

The South African Futures Exchange(SAFEX), South Africa
Lusaka Securities Exchange
Ghana Exchange
Malawi Exchange
Johannesburg Exchange
Exchange of Mauritius
Casablanca Exchange
The Egyptian Exchange
Nairobi Securities Exchange
Nigerian Exchange Group
Dar es Salaam Exchange

MIDDLE EAST

Tel Aviv Exchange, Israel
Beirut Exchange, Lebanon
Palestine Securities Exchange, Palestine
Istanbul Exhange, Turkey
Abu Dhabi Securities Exchange
Bahrain Exchange
Bahrain Financial Exchange
Cyprus Exchange
Dubai Financial Market
Dubai Gold and Commodities Exchange
Tehran Exchange
Iraq Exchange
Amman Exchange
NASDAQ Dubai
Kuwait Exchange
Malta Exchange
Muscat Securities Market
Qatar Exchange
Saudi Exchange Market
Damascus Securities Exchange

Frequently Asked Questions – Stock Loans and Single Stock Loans

What is a stock loan?

A stock loan is a form of securities-backed financing where listed shares are used as collateral to raise liquidity without selling the underlying asset. Borrowers receive a cash advance based on the value, liquidity, and volatility of their shares while retaining economic exposure during the loan term. Stock loans are often used to unlock working capital, fund acquisitions, or manage short-term liquidity needs without triggering capital gains or diluting ownership.

What is a single stock loan?

A single stock loan is a bespoke facility secured against one specific listed equity rather than a diversified portfolio. This is particularly suitable for founders, major shareholders, or corporates with concentrated positions who want to unlock capital while maintaining full exposure to the stock. Single stock loans offer flexibility in loan size, term, and structure, allowing borrowers to leverage individual high-value positions efficiently.

How do stock loans differ from traditional securities lending?

Traditional securities lending is generally an institutional market activity aimed at facilitating short selling or liquidity in securities markets. Stock loans and single stock loans, by contrast, are financing solutions where shares are pledged as collateral to access cash. Unlike institutional lending, these loans are bespoke, structured for individual or corporate liquidity needs, and focused on preserving ownership and economic exposure rather than lending for market operations.

What types of shares are eligible for stock loans?

Eligible shares typically include listed equities on major global exchanges, blue-chip stocks, large-cap and mid-cap shares, and concentrated positions held by founders or institutional shareholders. Depending on liquidity, trading volume, and jurisdiction, restricted shares or Rule 144 securities may also be eligible. Each application is assessed individually, ensuring the lender can offer competitive loan-to-value ratios and flexible terms based on the security profile.

Who typically uses stock loans and single stock loans?

Stock loans are commonly used by high-net-worth individuals, family offices, founders, corporates, and institutional investors. They are particularly suitable for those seeking liquidity without selling key holdings. Typical applications include funding acquisitions, refinancing debt, supporting operational needs, or accessing cash for investment opportunities while retaining full exposure to their stock positions.

Are stock loans recourse or non-recourse?

Stock loans can be structured as non-recourse or limited-recourse, depending on the lender and the underlying shares. In non-recourse loans, the lender’s sole recourse is the pledged stock, meaning borrowers are not personally liable beyond the collateral. This protects borrowers from additional obligations if the share price falls, making stock loans a flexible and lower-risk way to access liquidity.

What loan-to-value ratios are available on stock loans?

Loan-to-value (LTV) ratios on stock loans typically range from 30% to 70%, depending on the liquidity, volatility, and market capitalisation of the pledged shares. Highly liquid blue-chip stocks usually support higher LTVs, while more volatile or concentrated positions are structured more conservatively. The exact ratio is determined by risk assessment, market conditions, and lender appetite.

How quickly can a stock loan be arranged?

Stock loans and single stock loans can often be arranged within a few days once the underlying shares are approved. Working with a specialist broker and a global panel of lenders accelerates due diligence, documentation, and execution, providing fast access to capital for urgent liquidity needs or strategic opportunities.

Can international clients obtain stock loans?

Yes, international clients frequently access stock loans through cross-border structures. These facilities can be arranged for shares held in major markets worldwide, subject to custody, regulatory compliance, and jurisdiction-specific requirements. This enables high-net-worth and corporate clients to leverage global assets efficiently.

Do I retain ownership and upside of my shares?

Borrowers generally retain economic exposure to their shares during the loan term, meaning they benefit from price appreciation, dividends, or other shareholder rights as defined in the loan agreement. The facility is designed to provide liquidity while avoiding the need to sell strategic holdings or trigger taxable events.

What happens if the share price falls?

If the value of pledged shares declines materially, the lender may request additional collateral, adjust the facility, or partially unwind the loan. Many stock loans are structured with conservative LTVs, margin buffers, or non-recourse terms to protect borrowers against significant market volatility.

What are typical stock loan terms and pricing?

Stock loans can be structured as short-term bridge facilities or multi-year arrangements. Interest rates and fees are negotiated based on the quality, liquidity, and volatility of the pledged shares, market conditions, and risk profile. Customised terms allow borrowers to align repayment schedules and costs with their financial strategy.

Are stock loans tax efficient?

Stock loans can offer tax planning advantages by providing liquidity without triggering a taxable sale of shares. The treatment varies by jurisdiction and asset type, so borrowers should consult independent tax advisors. Proper structuring can also help manage capital gains exposure and optimise financial planning strategies.

Is credit history important for stock loan approval?

Stock loans are primarily asset-led rather than credit-led. While basic due diligence is conducted on the borrower, the underwriting focus is on the liquidity, volatility, and quality of the pledged shares. This allows borrowers with limited credit history but high-value shareholdings to access capital efficiently.

How does Platinum Global Bridging Finance arrange stock loans?

Platinum Global Bridging Finance acts as an independent broker, arranging stock loans and single stock loans through a global panel of specialist lenders. This ensures clients access competitive terms, bespoke structures, and efficient execution. The team manages the process from initial enquiry, valuation, and due diligence to documentation and funding, providing a seamless experience for high-net-worth and corporate clients.

Unlock liquidity from your shareholdings without selling your assets. Platinum Global Bridging Finance specialises in stock loans and single stock loans, providing bespoke securities-backed lending solutions for high-net-worth individuals, family offices, and corporates. Our facilities offer flexible loan sizes, competitive terms, and fast execution, allowing you to access capital efficiently while retaining full economic exposure to your shares. Whether you hold concentrated positions or diversified portfolios, we structure tailored solutions to meet your liquidity, investment, or business funding needs.

Get in touch to hear more about our stock loan program.

If you would like to know more about the terms used on our website please visit our Securities Glossary of Terms page

STOCK MARKETS COVERED

New Zealand Stock Exchange (NSZ) AUSTRALIA Stock Exchange (ASX) Canadian National Stock Exchange (CNSX) Toronto Stock Exchange (TSX) Frankfurt Stock Exchange (FWB) Hong Kong Stock Exchange (HKEX) Indonesia Stock Exchange (IDX) Tokyo Stock Exchange (TSE) Bursa Malaysia (KLSE) Philippine Stock Exchange (PSE) KOREA EXCHANGE (KSX) Singapore Exchange (SGX) Stock Exchange of Thailand (SET) Borsa Istanbul (BIST) London Stock Exchange (LSE) New York Stock Exchange (NYSE) Brazil Stock Exchange (BOVESPA) Chile’s Santiago Stock Exchange (SSE) Mexican Stock Exchange (BMV) Shenzhen Stock Exchange (SZSE) Shanghai Stock Exchange (SSE) Taiwan Stock Exchange (TWSE) Vietnam Stock Exchange (VSE) Euronext Brussels Euronext Paris Frankfurt Deutsche Börse Milan Stock Exchange (MIL) Euronext Lisbon Bolsa de Madrid Swiss Stock Exchange (SIX) Dubai Nasdaq Dubai Financial Market (DFM)

About Us

Platinum Global Bridging Finance is a distinguished high-net-worth finance broker. We specialize in providing tailored financial solutions, including Property Bridging Finance, Development Finance, Single Stock Loans, Margin Stock Loan, Crypto Finance, Crypto Loans and Commercial Property Finance tailored to meet the diverse needs of our clientele seeking robust financial lending solutions.

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