01 · Confidential enquiry
It begins with a single, secure message. You need only share the high-level shape of the position — which SGX-listed counter, roughly how large, and what you are trying to achieve. A senior principal reviews it in confidence; there is no sales floor and no obligation. See the contact page for how to reach us.
02 · Eligibility and indicative terms
Not every position behaves the same way as collateral. We assess free float, average daily traded value (ADTV), volatility, and shareholder concentration — the factors that drive how much can prudently be advanced. From that review we issue a preliminary structure and an indicative loan-to-value, typically within 2–3 business days. We give no fixed LTV in advance because it varies materially with the specific counter; our note on LTV and volatility explains why.
03 · Documentation with your own counsel
Once terms are agreed, the facility, share charge, and custody agreements are prepared and reviewed with the Singapore counsel of your choosing. Any disclosure or regulatory obligations are a matter for your own Singapore legal counsel, engaged in parallel; we act as arranger and introducer and do not provide legal or regulatory advice.
04 · Charge and custody
The borrower opens an account with the designated custodian, over which the lender takes security; the collateral shares sit in that account, with custody arranged to suit the agreed structure, while beneficial ownership is preserved. Crucially, this is security, not a sale: you remain the beneficial owner, your interest on the register is undisturbed, and — subject to how the facility is structured — you retain voting and dividend entitlement.
05 · Funding, and the return of your shares
Capital is released on the agreed timeline through a single point of contact who stays with the transaction from start to finish. When the loan is repaid, the charge is released and the full position returns to you. That is the central point of the structure: the financing is temporary, the ownership is not.
What you keep — and what to weigh
Borrowing against your shares lets you keep ownership, voting, upside, and (subject to structuring) dividends — the things an outright sale would end. If you are still deciding between the two, our stock loan vs. selling shares and stock loan vs. margin financing comparisons set out the trade-offs, and what is a Singapore stock loan covers the fundamentals. For the firm's full sequence, see the process page, the stock loans overview, and the FAQ.