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Securities Backed Lending and Stock Loans: What You Need to Know In today’s market, liquidity is power. For high-net-worth individuals and investors with sizable portfolios, securities backed lending—also referred to as stock loans—offers a discreet, tax-efficient way to access capital without selling your investments. Whether you’re considering stock loan options for business expansion, real estate acquisition, or strategic reinvestment, understanding how these lending solutions work is critical to leveraging them effectively. What Is Securities Backed Lending? Securities backed loans (SBL) is a financing solution that allows you to borrow against the value of your stock portfolio without selling any shares. Instead, your securities serve as collateral for the loan, providing a fast and flexible source of capital that doesn’t trigger capital gains or disrupt your market exposure. This lending structure is commonly used by high-net-worth individuals who want to: Access cash for large purchases or investments Consolidate high-interest debt Avoid selling long-term appreciated assets Maintain ownership of dividend-generating securities How Stock Loans Work The process of a stock loan is straightforward: You pledge liquid, eligible shares as collateral (typically blue-chip or AIM-listed stocks). A lender assesses the value, volatility, and liquidity of the portfolio. A loan-to-value (LTV) ratio is offered—typically up to 65%. You receive a cash loan in your preferred currency (GBP, USD, EUR, RMB). Interest is serviced monthly or quarterly; terms range from 36 months to 5 years. You retain beneficial ownership, but the lender holds a lien on the shares. At Platinum Global Bridging Finance, stock loans are structured as margin loans with recourse, with custody remaining with a third party and no title transfer. Benefits of Securities Backed Lending and Stock Loans Liquidity Without Liquidation: Gain fast access to capital while keeping your portfolio intact. Competitive Interest Rates: From just 3% per annum, often lower than