APEX STOCK LOANSConfidential liquidity
secured by your publicly
traded position.
A non-recourse, non-title transfer facility for principals with concentrated equity positions. 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. 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.
$1M minimum, 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. Title to your shares remains yours — along with any dividends and price appreciation throughout the facility.
Global Reach
Securities accepted across 80+ major exchanges worldwide. Borrowers across 195+ countries. Backed by a direct lender with more than 15 years of operating history domiciled in the British Virgin Islands under BVI Financial Services Commission oversight.
Who We Work With
We work with principals who hold concentrated positions in free-trading, publicly listed securities and need liquidity without selling. The snapshots below are illustrative — figures and structures are anonymized and directional.
A founder with the majority of net worth tied to a single publicly listed stock accessed a non-recourse facility to diversify into other asset classes — without selling a share or surrendering upside.
A real estate principal facing a maturing credit line used a stock-backed loan to bridge a 90-day window, preserving the underlying position while the permanent refinance was arranged.
An international executive with holdings on multiple exchanges consolidated liquidity through a single facility, avoiding the delays of jurisdiction-by-jurisdiction bank approvals.
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.
The Case for Borrowing
Markets move in cycles, but the rationale for liquidity is constant. Principals who can borrow against publicly traded securities — without selling — hold a structural advantage through every phase.
Bank credit availability expands and contracts in cycles. When traditional lenders pull back, principals with liquid collateral retain access to capital that less flexible borrowers do not.
A single equity position can represent the majority of a principal's net worth. Borrowing against it — rather than selling — preserves upside while allowing capital to be deployed elsewhere.
Capital needs rarely arrive on a bank's timeline. A securities-backed facility can close in days, not weeks — bridging the gap between an opportunity and the next liquidity window.
Fixed-rate, multi-year structures let principals lock in predictable carrying costs regardless of where central bank policy moves over the life of the facility.
This Might Be You
If any of these situations sound familiar, we should talk.
Your operating costs are rising at the same moment your lender is tightening your credit line. You hold a significant equity position — but selling signals weakness to the market and locks in a position you may prefer to hold.
You need bridge capital to cover a short-term gap, but traditional banks are pulling back from your sector. Your publicly traded holdings represent real value that qualifies for a non-recourse facility.
You hold publicly listed shares worth millions but would rather not sell to access that value. A non-recourse stock loan lets you unlock liquidity while preserving your ownership and upside.
A refinancing window is closing and you need capital quickly — not in 10 weeks. Your equity portfolio is sitting idle and can work for you today.
International banks are slowing approvals when your business moves faster than their timelines. 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.