144 Restricted Stock Loans | Loan Against Restricted Stocks

144 Restricted Stock Loans: Unlocking Liquidity Without Selling

At Platinum Global Bridging Finance, we specialize in helping shareholders unlock liquidity from their restricted stock positions. Through our global network of private lenders and institutional partners, we provide direct access to 144 restricted stock loan solutions—tailored, discreet, and structured with your goals in mind.

What Is Rule 144 Restricted Stock?

Rule 144 stock, also referred to as restricted or control securities, typically arises from:

• Employee stock compensation plans
• Private placements
• Mergers or acquisitions
• Founder’s shares in early-stage companies

These shares are restricted from public sale for a defined period and require SEC compliance under Rule 144 before they can be sold.

Who Holds Restricted Stock?

• C-suite executives and insiders
• Founders and co-founders
• Board members and affiliates
• Early investors and venture capitalists

If you’re holding a significant position in restricted stock, you may not want to sell it outright—but still need access to capital. This is where 144 stock loans become a powerful financial tool.

How 144 Restricted Stock Loans Work

A 144 restricted stock loan allows shareholders to leverage their restricted shares as collateral to access liquidity—without triggering a public sale or violating SEC restrictions.

Key Features

• Non-recourse loans
  Your obligation is limited to the pledged shares. No personal guarantee is required.
• No credit check or income verification
  The loan is secured against your stock, not your financial profile.
• Loan terms from 12 to 36 months
  Flexible durations tailored to your financial planning needs.
• Interest-only or bullet repayment options
  Maintain cash flow while preserving your stock position.

Process Overview

1. Submit your shareholding details and company profile
2. We match you with a lender aligned to your needs
3. Shares are pledged to a secure third-party custodian
4. Loan funds are released within days
5. Shares are returned at loan maturity or in the event of early repayment

Why Choose Platinum Global Bridging Finance?

At Platinum Global Bridging Finance, we are not lenders—we are independent brokers. That distinction matters.

Advantages of Working with a Broker

• Access to multiple lenders
  We’re not limited to one loan structure or underwriting model. We source the best deal for your situation.
• Competitive terms
  With lender competition, we ensure our clients get maximum LTV and favorable interest rates.
• Complete confidentiality
  No public disclosures. Your transaction is handled discreetly with institutional-grade custodians.
• No upfront fees
  We only engage with lenders who operate transparently, without hidden or predatory fees.

Who Can Benefit from a 144 Stock Loan?

Common Use Cases

• Business expansion or acquisition
• Real estate investment
• Diversifying into other asset classes
• Tax planning and estate restructuring
• Short-term liquidity during holding periods

Client Profiles We Typically Serve

• Tech founders needing liquidity before an IPO
• Executives of pre-revenue biotech firms
• Board members of mid-cap public companies
• Angel investors in lock-up periods
• Entrepreneurs with non-tradable securities from mergers or private equity deals

Eligible Stock Types and Lender Criteria

While Rule 144 applies to restricted stock in publicly traded companies, not all companies or stocks qualify for loan structures. Our lenders typically consider the following:

Stock Eligibility Criteria

• U.S. listed stocks on NASDAQ, NYSE, OTCQX, and OTCQB
• Minimum average daily trading volume (ADTV)
• Public float and market cap thresholds
• SEC reporting compliance
• No recent history of regulatory issues or trading suspensions

Our team performs an internal screening to assess whether your restricted shares are viable collateral for our network of lenders.

Documentation Typically Required

• Company name and ticker symbol
• Number of restricted shares and acquisition method
• DTC eligibility (if applicable)
• Details on any affiliate status or lock-up agreement
• Desired loan amount and use of funds

Risks and Considerations

All financial instruments carry risks. Here’s what to be aware of with 144 restricted stock loans:

Volatility and Valuation Risk

Stock volatility may impact your loan-to-value ratio or trigger collateral calls, depending on lender terms. Loans are often structured conservatively (typically 40-60% LTV) to manage this risk.

Regulatory and Legal Compliance

Ensuring your shares are eligible for loan structures and that the transaction does not violate Rule 144 resale restrictions is critical. We guide clients through compliance and coordinate with experienced legal counsel if needed.

Loss of Collateral

As most 144 stock loans are non-recourse, your only obligation is the collateralized shares. If the stock declines and the borrower defaults, the lender assumes ownership of the pledged shares without further liability.

How We Safeguard Clients

Platinum Global Bridging Finance only works with lenders who:

• Employ regulated third-party custodians
• Provide full transparency on terms and fees
• Offer pre-agreed loan contracts with no bait-and-switch clauses
• Follow strict non-sale covenants to prevent unauthorized share sales

We vet every lender in our network and protect clients from predatory practices, which are unfortunately common in the unregulated securities lending space.

Frequently Asked Questions (FAQs)

Is a 144 stock loan considered a sale of securities?

No. Since the shares are pledged and not sold, it does not constitute a sale under SEC rules. However, proper legal documentation is essential.

Will I need to file anything with the SEC?

Not typically, unless the shares are disposed of or converted into freely tradable stock. We help ensure full compliance throughout the process.

Can I repay early?

Yes. Most lenders allow early repayment without penalties. Upon repayment, the pledged shares are returned to you.

What if my shares are restricted for another 6 or 12 months?

You can still qualify. As long as the underlying stock and company meet lender criteria, the duration of restriction is not necessarily a barrier.

What are the interest rates?

Rates depend on multiple factors: stock liquidity, loan size, term length, and borrower profile. Typical ranges are 8-12% APR.

Begin the Process Today

If you’re holding restricted stock under Rule 144 and looking to access capital without triggering a taxable event or SEC restrictions, Platinum Global Bridging Finance can help.

What You’ll Need to Get Started

• Company name and ticker
• Number of restricted shares
• Holding history and insider status
• Desired loan amount and use of funds

Contact Us

Our experienced team is ready to walk you through every step—from eligibility review to lender matchmaking and documentation.

📩 Get in touch today for a no-obligation consultation and explore your liquidity options with confidence.

Platinum Global Bridging Finance — Your trusted broker for 144 Restricted Stock Loans.