Borrow against your SGX-listed shares.
A Singapore stock loan turns a concentrated holding into liquidity — without selling, without surrendering ownership, and without leaving the register.
What a Singapore stock loan actually is.
A Singapore stock loan is financing secured by a charge over your SGX-listed shares. You draw cash against the value of the holding while the shares remain yours — and you recover them in full when the loan is repaid.
Key takeaway
A stock loan extracts value from your position without extracting you from the position. You receive capital today; you keep ownership, your vote, your dividends, and the entire upside; and on repayment the charge falls away and the shares are restored to you intact.
The mechanics are simple to state. You charge listed shares as collateral, capital is advanced against an agreed loan-to-value, and the position is held under documented custody for the term. Throughout, you keep beneficial ownership of the shares, the full economic upside of the position, and — depending on how the structure is built — your dividend entitlement and your vote.
When the loan matures and is repaid, the charge is released and the shares return to you, unchanged. The transaction leaves no permanent mark on your holding, and need not be telegraphed to the market beyond any reporting that genuinely applies.
A sale ends your relationship with the company. A stock loan simply borrows against it for a while.
Sale vs. chargeThe contrast with an outright disposal is the whole point. Selling realises cash but permanently removes you from the position — forfeiting the upside, crystallising consequences, and signalling intent to the market. A stock loan extracts only the capital you need and preserves everything else. For a fuller primer, see what is a Singapore stock loan.
You stay the shareholder throughout.
The defining feature of a stock loan is what does not change. The position remains yours in every sense that matters, for the life of the facility.
- 01Beneficial ownership. The shares remain economically yours. The charge is security for the loan, not a transfer of the holding.
- 02Voting. Subject to how the structure is built, you continue to exercise your vote and your influence at the company.
- 03Dividends & corporate actions. Dividend entitlement and the treatment of rights, bonus, and scrip events are documented to flow as agreed.
- 04The full upside. If the counter appreciates over the term, that gain accrues to you — you have borrowed against the position, not sold it.
- 05The position itself. On repayment the charge is released and the shares are returned in full, leaving the holding intact.
- 06Discretion. A charge is a private financing arrangement; it is not a sale on the screen, and is treated with the confidentiality that implies.
Five steps from conversation to capital.
Every stock loan follows the same disciplined path. A principal is involved at each step: the borrower opens an account with the designated custodian, over which the lender takes security, where the collateral shares are held.
Confidential enquiry
The counter, the position size, and your objective, shared through a secure channel — no obligation.
Indicative terms
A preliminary structure and indicative LTV after review of the specific SGX counter and holding.
Documentation
Facility, share charge, and custody agreements, with Singapore counsel of your choosing.
Charge & 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 fitted to the structure.
Funding
Capital is released on agreed timelines; on repayment the charge is discharged and the shares return.
Stock loan versus selling the shares.
Both routes raise cash. Only one leaves you holding the position you spent years building. The table sets the two side by side.
| Consideration | Stock loan | Selling the shares |
|---|---|---|
| Ownership of the position | Retained — shares return on repayment | Permanently given up |
| Future upside | Yours; the gain accrues to you | Forfeited once sold |
| Voting & influence | Preserved, subject to structuring | Lost with the shares |
| Dividends | Flow as documented | End at completion |
| Market signalling | A private charge, not a screen trade | An on-screen sale can move the price and signal intent |
| Reversibility | Reversible — repay and reclaim in full | Final |
| Capital raised | A proportion of value, at an agreed LTV | Full proceeds, less execution impact |
Where the objective is genuinely to exit or reduce — to diversify, to fund a succession plan, or to crystallise value — a sale is the point, and a privately-negotiated block trade is usually the better way to sell a large line than working it through the order book.
What makes an SGX counter financeable.
Not every listed position carries the same borrowing capacity. Eligibility and LTV are driven by how the underlying counter actually trades, assessed against the holding in front of us.
Mainboard & Catalist
Coverage spans large-cap Straits Times Index constituents through to selected growth companies listed on Catalist.
Free float & ADTV
Free float and average daily traded value shape how readily a position can be managed, and therefore the terms.
Market capitalisation
The market capitalisation and depth of the counter inform both eligibility and the indicative loan-to-value.
Price behaviour
The volatility of the share over time is weighed in setting a prudent, durable advance against it.
Holding vs. float
Founder- and family-held positions in a single counter are core to our work — sized carefully against the float.
Industry profile
Sector dynamics across banking, S-REITs, industrials, maritime, technology, and consumer are taken into account.
Because all of these vary by counter, there is no fixed headline LTV. An indicative ratio is issued only after we have reviewed the specific SGX-listed share, the size of your holding, and the structure that suits it.
How the charge is built and held.
An SGX position is not generic collateral. Custodian custody mechanics, recourse profile, and corporate-action handling all sit at the centre of how a Singapore stock loan is structured.
- 01Security over the custodian account. The borrower opens an account with the designated custodian, over which the lender takes security; the collateral shares sit in that account, while beneficial ownership is preserved.
- 02Custody fits the structure. Custody arrangements are matched to the agreed structure and recourse profile, with the collateral held in a manner appropriate to both.
- 03Recourse, set per transaction. Facilities may be structured on a full-recourse, limited-recourse, or non-recourse basis, depending on the collateral, position, and your objectives.
- 04Margin, corporate actions & dividends. Any margin and top-up mechanics, and the treatment of dividends, rights, and bonus events, are documented up front — no surprises during the term.
Disclosure is a matter for your own counsel.
We arrange and introduce — your own counsel advises on disclosure.
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.
Specific obligations are confirmed with Singapore counsel of your choosing as part of each transaction.
Stock loans in Singapore, answered.
01What is a Singapore stock loan?
02What LTV can I expect?
03How is the charge held, and what about dividends?
04Does charging my shares trigger disclosure?
05What transaction sizes do you arrange?
Find out what your SGX position can raise.
Share the high-level details and a senior principal will return indicative terms — confidentially, usually within 2–3 business days.