Revelle Capital

Securities-Backed Lending

Borrow Against Shares Without Selling Your Portfolio

Access capital secured against publicly traded stocks, bonds, and funds. Retain ownership, dividends, and upside - avoid triggering capital gains tax.

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Borrow Against Your Investment Portfolio

Unlock liquidity from your share portfolio without selling. Securities-backed lending from £500K to £50M+ at competitive rates, preserving your investment positions and deferring capital gains tax.

For high-net-worth individuals with significant equity portfolios, stock-based loans offer a sophisticated alternative to liquidating positions. Whether you need capital for property investment, business opportunities, or major purchases, borrowing against your portfolio preserves your investment strategy and typically avoids capital gains tax.

Our network includes private banks and specialist securities lenders offering competitive rates on publicly traded shares, bonds, and funds. We structure facilities from £500K to £50M+ with flexible terms and conservative LTVs to minimize margin call risk.

Key Statistics

Loan-to-Value
Up to 70%
Minimum Loan
£500K
Typical Rate
From 3.5%
Speed
7-14 days
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Why Choose Stock-Based Loans?

Unlock portfolio value without triggering capital gains or losing upside

Tax-Efficient Liquidity

Borrowing against shares typically avoids capital gains tax, unlike selling positions

Retain Investment Upside

Keep ownership of your portfolio and continue benefiting from growth and dividends

Competitive Rates

Lower interest rates than unsecured credit, reflecting the quality of security

Flexible Use of Funds

Use proceeds for property, business investment, lifestyle, or further investments

How It Works

Our process for securities-backed lending

1

Portfolio Assessment

We review your portfolio composition, liquidity, and concentration to determine borrowing capacity.

2

Lender Matching

We present options from private banks and specialist securities lenders with competitive terms.

3

Loan Execution

Shares are pledged as collateral, funds are released, and you maintain full beneficial ownership.

Who Are Stock-Based Loans For?

High-net-worth individuals with concentrated stock positions
Executives with company share holdings seeking diversification
Investors wanting to leverage portfolios for property purchases
Business owners needing capital without selling shareholdings
Investors avoiding capital gains tax on appreciated positions
Funding large purchases while preserving long-term investments

Get Stock-Based Loan Advice

Tell us about your portfolio and we'll assess your borrowing capacity against your shares.

1
Your Requirements
2
Project Details
3
Contact Info
Secure & Confidential
24 Hour Response
No Obligation

Frequently Asked Questions

Common questions about stock-based loans

You pledge your publicly traded shares, bonds, or funds as collateral. The lender provides a loan (typically 50-70% of portfolio value) at competitive rates. You retain ownership, receive dividends, and benefit from capital growth. When you repay, the pledge is released.
Lenders typically accept: publicly traded stocks on major exchanges (LSE, NYSE, NASDAQ), government and investment-grade bonds, liquid ETFs and mutual funds. Concentration limits apply - most lenders require diversified portfolios.
Yes, borrowing against securities typically does not trigger capital gains tax, unlike selling shares. This can be significantly more tax-efficient for holding appreciated positions. Always consult your tax advisor for your specific situation.
The primary risk is margin calls if portfolio value falls significantly. If your portfolio declines below the agreed LTV threshold, you'll need to add collateral or partially repay. We help structure loans conservatively to minimize this risk.
For straightforward portfolios with liquid securities, we can arrange loans in 7-14 days. Complex portfolios or larger facilities may take 3-4 weeks for full due diligence and documentation.
Rates vary based on portfolio quality, LTV, and loan size, typically ranging from 3.5% to 7% annually. This is considerably lower than unsecured borrowing given the quality of collateral.

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Ready to Unlock Your Portfolio Value?

Get a confidential assessment of your borrowing capacity against shares. Speak to our team about securities-backed lending.

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