Stock Loans | Stock Loan Broker | Securities Financing | Low Rates

Stock Loans: Unlocking Liquidity Without Liquidation

Stock Loans

Platinum Global Bridging Finance arranges 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 in as little as 7–14 days, working with private, off-market lenders backed by investment funds and high-net-worth capital that traditional banks don’t provide.

Our lending network includes banks, investment banks, 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.

Our global lending panel provides stock 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 financing solutions, including:

• Single Stock Loan – Stock loan against a single stock.

• Margin Loan Bridge – Short term bridge loan against a stock

• Portfolio Loan – Loan against a portfolio of shares

• Non Recourse Stock Loans – Loan against a single stock where lender can rehypothicate the shares

• Repos (share repurchase agreements) – Shares sold and bought back at a later date by client for cashflow

• Block trades – Sale of discounted priced shares

• Crypto Backed Loans – Loan against crypto holdings

Our lender network can also provide funding against trade-able corporate bonds, securities, 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 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 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 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 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 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 Protection: Borrow without selling, protecting against market volatility.

• Low, Fixed Rates: Interest rates starting from 2%.

• 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.

Why Securities Lending Matters

A stock securities loan allows investors to unlock capital while keeping ownership of their shares. This flexibility supports long-term investment strategies, enables potential portfolio growth, and provides liquidity when needed. To maximize the benefits of stock loans, proper investment planning and a portfolio risk assessment are essential.

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.

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

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, Board Members

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 Exchanges We Cover

FAST CLOSING AND FUNDING

LOW RATES AND FLEXIBLE TERMS

PRIVATE AND CONFIDENTIAL

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.

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.

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)