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Collateral Strength Calculator

A transparent way to see how the drivers move what an SGX-listed position can support — sector, liquidity, volatility, concentration, and recourse. It is a teaching tool, not a quotation, and it publishes no loan-to-value band, because loan-to-value follows the collateral.

Illustrative & indicative only

This is not an offer, a quotation, or advice. The reading below is a broad illustration of how the drivers pull, for education only. Singapore Stock Loans publishes no loan-to-value band and quotes none here, because loan-to-value is a property of the collateral rather than of the product: the actual ratio depends on the specific SGX counter, read on the day, together with position size and structure. Terms are confirmed only after a review of the actual holdings. Nothing here is a commitment. See our note on how LTV is set on an SGX counter.

01 · Explore the drivers
Move the inputs

See how each factor pulls the reading.

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 method than let an output look more precise than it is. The heuristic is deliberately simple and fully disclosed:

  • It has no starting ratio and no rate card. Singapore Stock Loans publishes no loan-to-value band, because loan-to-value is a property of the collateral rather than of the product. The tool begins from a neutral reading of the position and lets the drivers move it.
  • It weighs 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 point toward a lower advance and a wider buffer; deep liquidity, low volatility, a diversified register, and full recourse allow a higher one.
  • The output is always a plain-English verdict — a lower, mid-range, or higher advance — never a ratio and never a sum, 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 setting terms. That is precisely why it names no ratio: any figure it produced would be an assumption wearing the clothes of a term. 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 quotation or an offer?
No. The calculator is illustrative only. It places a position in one of three broad bands — a lower, mid-range, or higher advance — for educational purposes, and is not a quotation, an offer, a commitment, or financial advice. It does not know your specific counter. Terms are confirmed only after a senior principal reviews the actual holdings, and are set out in writing.
02How is the reading worked out?
The tool weighs the same drivers the firm uses to read a real counter against one another: 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 point toward a lower advance; deep liquidity, low volatility, a diversified register, and full recourse point toward a higher one. What comes back is a plain-English verdict and the reasons behind it — never a ratio, and never a sum. 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 moves the reading up or down.
04Why is no loan-to-value band published?
Because loan-to-value is a property of the collateral, not of the product. The ratio depends on the specific counter read on the day, together with position size and the chosen structure, so no figure can honestly be given before the actual holdings have been reviewed — and publishing a band, or letting a web form calculate one, would imply a term that nobody has looked at. A qualitative verdict with a clearly-stated illustrative caveat is the honest way to show how the drivers pull.
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 real indicative terms, 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 the collateral on its own merits — usually within one business day.

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