APEX STOCK LOANSConfidential liquidity
secured by your publicly
traded position.
A non-recourse, non-title transfer facility for principals with concentrated equity positions of $5M or more. Your securities remain in a custodian account in your name throughout the engagement.
Request a Confidential Review
Facility Structure
Publicly traded securities on major global exchanges. Position remains in your name in a neutral custodian account.
Non-recourse, non-title transfer. No personal guarantee. No claim against other assets. Walk-away provision at any time.
Collateral-first. All underwriting is conducted by our funding partner. No credit review, no personal financial statements, no personal guarantee required.
40–80% loan-to-value. Fixed interest rate, simple interest only, paid quarterly in advance. Terms from 3 to 10 years.
Our funding partner issues a qualification decision within 24–72 hours. Funding typically within one week of document execution.
$5M portfolio value. No maximum.
Custodian Structure
Your pledged shares are placed in a custodian account established in your name or entity name. The custodian acts as a neutral escrow agent between you and the lender, holding the collateral throughout the facility to ensure you are protected from start to finish. Once you approve the closing statement, the lender (our funding partner) wires your loan proceeds directly to your personal or business bank account. At no point are you required to relinquish control or take a leap of faith. Every step of the process is structured to protect you as borrower.
Global Reach
Securities accepted across 80+ major exchanges worldwide. Borrowers across 195+ countries. Backed by a direct lender with an 18-year operating history domiciled in the British Virgin Islands under BVI Financial Services Commission oversight.
How Clients Use This Facility
Common scenarios where a non-recourse stock loan creates strategic advantage.
Unlock liquidity from a concentrated equity position
If the majority of your net worth is tied to a single publicly listed stock, a non-recourse facility lets you access capital without selling shares, diluting ownership, or undergoing a personal credit review.
Bridge rising costs without liquidating long-term holdings
When tightening credit markets and rising input costs create short-term pressure, a stock-backed facility can provide working capital — preserving your core position and long-term investment thesis.
Cover a refinancing gap or capital call
Whether you need to bridge a 90-day refinancing window or meet an unexpected capital call, borrowing against listed securities provides fast, flexible liquidity — with no impact on your existing credit profile or tax position.
The Current Environment
Global disruptions are converging — tightening credit, rising costs, and geopolitical uncertainty. Regardless of how events unfold, the mechanics are the same: liquidity becomes the most valuable asset on the table.
Banks are pulling back lending across every major region. Credit lines that were routine 12 months ago are being reduced, repriced, or terminated entirely.
Shipping lanes remain disrupted. Insurance costs are elevated. Inventory drawdowns and historically low strategic reserves mean the system has no buffer.
From energy to raw materials to freight, the cost of doing business is rising — compressing margins for companies across every sector.
Companies and principals approaching maturity on existing debt face a market that is less willing to lend and more expensive when it does.
"Whether the Strait reopens tomorrow or the situation escalates — the global economy has already shifted. Credit is tighter. Costs are higher. Principals with concentrated equity positions are uniquely positioned to access liquidity without selling, diluting, or triggering a taxable event."
This Might Be You
If any of these situations sound familiar, we should talk.
Your operating costs just increased 30% due to rising oil prices and freight rates. Your lender is tightening your credit line at the worst possible moment. You hold a significant equity position — but selling triggers a taxable event and signals weakness to the market.
Trade route disruptions have increased your insurance and fuel costs overnight. You need bridge capital to cover the gap — but traditional banks are pulling back from the sector. Your publicly traded holdings represent real value that no one is willing to lend against, until now.
Your company is pre-profitability or in a growth phase. VCs are pushing down valuations. You hold founder shares worth millions but can't access the value without dilution. A non-recourse stock loan lets you unlock liquidity while preserving your ownership and upside.
A refinancing window is closing. Interest rates have repriced your next round of debt. You need $10M in 10 days, not 10 weeks. Your equity portfolio is sitting idle — it can work for you today.
Currency volatility and trade barriers are squeezing your margins. International banks are slowing approvals. You hold securities on a major exchange — and need capital that moves at the speed of your business.
Use Case Context
Liquidity Events That May Trigger a Review
Lock-Up Expiration Approaching
Shareholders nearing the end of a lock-up period may want to explore liquidity options before deciding whether to sell, hold, pledge, or restructure their position.
Escrow Release Dates
Founders, sellers, executives, or investors expecting escrowed shares or proceeds to be released may want to plan liquidity conversations ahead of the release date.
Tender Offer or Secondary Sale Window
Shareholders evaluating a tender offer, private sale, or secondary liquidity window may want to compare borrowing against eligible shares versus selling.
Option Exercise or Tax Planning Window
Executives and employees facing option exercise deadlines, vesting events, or tax obligations may need to evaluate liquidity without immediately liquidating a larger position.
M&A, Earnout, or Transaction Proceeds Timing
Business owners, executives, and investors waiting on acquisition proceeds, earnouts, escrow holdbacks, or settlement milestones may want to plan liquidity around the expected timing.
Concentrated Public Equity Position
Founders, insiders, family offices, and investors with concentrated public-stock exposure may want to explore potential liquidity while maintaining market exposure, subject to eligibility and lender review.
Margin Loan Alternative Review
Borrowers with existing margin loans or brokerage credit lines may want to compare alternative securities-backed loan structures, collateral requirements, documentation, and potential lender terms.
Cross-Border or Global Market Holdings
International shareholders may need a review of exchange, jurisdiction, custody, trading volume, and settlement considerations before a lender can determine whether a position is eligible.
Time-Sensitive Capital Need
Borrowers facing a near-term business, investment, settlement, or personal liquidity need may want an initial eligibility review based on ticker, exchange, share count, custody, and timing.
Pre-Sale Liquidity Planning
Shareholders considering a future sale may want to understand whether eligible shares could support a loan before choosing whether, when, or how much to sell.
Partner or Advisor Referral
Advisors, consultants, brokers, and referral partners may submit an opportunity when a client has eligible public shares and a clear liquidity timeline.
A review usually starts with the ticker, exchange, number of shares, current custody location, country or jurisdiction, approximate market value, target loan amount, and timing.
All scenarios are subject to eligibility, collateral review, jurisdictional considerations, lender underwriting, documentation, and final approval by the lender. We do not offer bridge loans. All pledged shares must be free-trading — fully vested, unrestricted, and not subject to any lock-up, legend, or trading limitation. We are not a lender and do not make credit decisions.