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Indicative LTV Calculator

A transparent way to see how the drivers move a loan-to-value range on an SGX-listed position — sector, liquidity, volatility, concentration, and recourse. It is a teaching tool, not a quote.

Illustrative & indicative only

This is not an offer, a quote, or advice. The figures below are a broad illustration of how the drivers pull, for education only. Singapore Stock Loans publishes no fixed headline LTV; the actual ratio depends on the specific SGX counter, read on the day, together with position size and structure. Actual terms are always set case-by-case after a principal reviews the position. Nothing here is a commitment. See our note on how LTV is set on an SGX counter.

01 · Explore the range
Move the inputs

See how each factor pulls the range.

Sets the backdrop for how the counter typically trades.
Transactions are typically arranged from SGD 5 million upward.
How readily the counter could be traded without moving the price.
The buffer the LTV has to leave room for.
How the charged stake compares with the counter's float and volume.
The recourse you carry and the advance you accept are decided together.

Runs entirely in your browser. No inputs are sent, logged, or stored — nothing leaves your device.

02 · Methodology
Transparent by design

How this tool actually works.

We would rather over-explain the maths than let a number look more precise than it is. The heuristic is deliberately simple and fully disclosed:

  • It starts from a conservative illustrative envelope, not from a rate card. Singapore Stock Loans does not publish a headline LTV, so the tool uses a broad educational band and only ever narrows within it. The starting envelope is intentionally cautious.
  • It adjusts by the site's own stated drivers. Liquidity and free float, volatility, market capitalisation implied by position size and sector, concentration, sector character, and recourse are exactly the factors described in how LTV is set on an SGX counter and on the sectors page.
  • The drivers pull the same way they do in practice. Thinner liquidity, higher volatility, a larger and more concentrated block, and lighter recourse all pull toward the lower end and widen the buffer; deep liquidity, low volatility, a diversified register, and full recourse allow the higher end.
  • The output is always a range, never a single figure presented as a quote, and it always carries the illustrative caveat. Tenor is shown as an illustrative band consistent with a defined fixed term and renewal options.
  • Nothing is collected. The calculation runs in your browser with a small inline script; no inputs are transmitted, logged, or stored, and there are no network calls.

The tool cannot see your actual counter, its live free float, its traded value, or the day's volatility — all of which a principal reads before issuing a genuine indicative LTV. Treat the result as a way to build intuition about the drivers, and nothing more.

03 · Questions
Straight answers

About this calculator.

01Is the result a quote or an offer?
No. The calculator is illustrative only. It shows a broad, indicative loan-to-value range for educational purposes and is not a quote, an offer, a commitment, or financial advice. It does not know your specific counter. Actual terms are set case-by-case after a senior principal reviews the actual SGX-listed position, and are confirmed in writing.
02How is the range calculated?
The tool starts from a deliberately conservative illustrative envelope and adjusts within it using the same drivers the firm uses to read a real counter: sector character, liquidity and free float, volatility, how large the position is against the market (concentration), and the recourse profile you prefer. Thinner liquidity, higher volatility, greater concentration, and non-recourse structures move the range toward the lower end; deep liquidity, low volatility, a diversified register, and full recourse move it toward the higher end. Everything runs in your browser using a transparent, disclosed heuristic; nothing is sent anywhere.
03Why does my sector matter?
Sector sets the backdrop for how a counter trades. A defensive, deeply-traded large-cap such as a local bank, telco, or large S-REIT typically behaves more calmly under stress than a cyclical commodities, offshore-and-marine, or thinly-traded growth name. Because loan-to-value is really a measure of how confidently a position could be realised in an orderly way, the sector colours liquidity, volatility, and concentration — so it nudges the indicative range up or down.
04Why is the answer a range and not one number?
Because there is no single headline LTV for a Singapore stock loan. The ratio depends on the specific counter read on the day, together with position size and the chosen structure. Publishing one precise figure would be misleading. A range with a clearly-stated illustrative caveat is the honest way to show how the drivers pull, without implying a term that has not been reviewed.
05Do you store what I enter?
No. The calculator runs entirely in your browser. Your inputs are not transmitted, logged, or stored by us, and no position details leave your device. To receive genuinely indicative terms, share the position through the confidential enquiry channel, where a principal reviews it directly.

For a real indicative LTV, tell us the counter.

The calculator builds intuition; a principal sets terms. Share the high-level shape of your SGX-listed position and we will read it on its own merits — usually within one business day.

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