Frequently Asked Questions (FAQ)

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We make the process simple for qualified borrowers.

To qualify for review, the stock generally needs to meet the following criteria:

• The stock is free trading with no restrictions.
• The stock is listed on one of our lendable exchanges. Please visit our Markets & Exchanges page.
• The stock has a minimum daily trading volume of $50K USD for 30 consecutive days.
• The borrower owns the stock.
• The borrower can provide required details, a recent brokerage statement, and KYC information.

Final eligibility is subject to lender review, underwriting, and approval.

Yes, in a non-title transfer structure, shares remain in the borrower’s name while being pledged as collateral.

Yes. The borrower retains voting rights as long as the loan remains in good standing. 

Yes. Public companies may use stock-backed lending as part of their capital stack. These structures may be reviewed for capital needs such as acquisitions, refinancing, working capital, growth, balance-sheet support, or strategic liquidity planning. Eligibility depends on the stock position, exchange, trading volume, market value, liquidity, borrower profile, and lender underwriting. 

A non-recourse stock loan is a loan structure where the borrower’s pledged stock is generally the lender’s primary collateral. If the stock underperforms, the borrower is not personally liable beyond the pledged collateral, subject to the final loan agreement. 

A non-title transfer stock loan is a structure where eligible shares are pledged as collateral while remaining in the borrower’s name through the approved custody and control process.

No. A private stock-backed loan may differ from a traditional margin loan in structure, collateral handling, borrower obligations, loan-to-value, margin requirements, lender requirements, and documentation. 

Banks often rely heavily on credit, income documentation, personal guarantees, business plans, and traditional underwriting. Private stock-backed lending is different because the review is primarily based on the eligible stock position, exchange, liquidity, market value, and lender requirements.

With traditional bank financing, borrowers may face:

• Business plan requirements
• Credit checks
• Public information review
• Tax and income statements
• Potentially higher rates
• Lower Loan-To-Value (LTV) options
• Lengthy approval timelines
• Personal guarantees
• Limited walk-away flexibility

With private non-recourse stock loan opportunities, qualified borrowers may access:

• No business plan requirement
• No traditional credit check
• Complete privacy
• No tax or income documentation
• Flat fixed-rate structures
• Competitive Loan-To-Value (LTV) options
• Terms are issued quickly after review (typically 24 - 48 hours)
• Funding completed quickly after approved documentation (typically 1 - 2 weeks)
• Non-recourse structures where pledged shares are the primary collateral
• Transparent contracts
• Walk-away options under the approved loan structure

Stock loans are commonly used by public companies, executives, founders, board members, major shareholders, High-Net-Worth Individuals (HNWI), Utra-High-Net-Worth Individuals (UHNWI), and qualified stockholders seeking liquidity without immediately selling eligible stock.

Stone Creek Global has been funding stock-backed loans since 2007, giving SCG nearly two decades of experience in private stock-based lending. SCG has a long-standing track record of meeting funding commitments once loans are approved and closed. 

Qualified borrowers may access private stock loan opportunities from $1M to $1B+, depending on the stock position, exchange, liquidity, borrower profile, and final underwriting. 

Qualified borrowers may access Loan-To-Value (LTV) structures typically ranging from 50% to 70%, with some structures ranging from 40% to 75% depending on the stock position, exchange, trading volume, liquidity, restrictions, and final underwriting. 

Qualified borrowers may access low, competitive flat fixed-rate structures with payments typically made quarterly. Rates are not adjustable. Final terms depend on the stock position, loan structure, term length, lender review, underwriting, and approval. 

Terms are tailored to the borrower’s needs and approved loan structure. Typical stock loan terms range from 3 to 10 years, including 3-year, 5-year, 7-year, and 10-year options. Final terms depend on the stock position, loan amount, lender review, underwriting, and approval. 

Qualified stock loans can close quickly, often within one to two weeks when the stock qualifies, and documentation, custody/escrow setup, lender review, and underwriting are completed efficiently. Term sheets are often issued within 24–48 hours after qualified review. 

No upfront fees. No hidden fees. No margin calls. 

No traditional credit check is required. These structures are primarily based on eligible stock collateral and lender review, not personal credit underwriting 

No. Stock-backed loans may provide liquidity without issuing new shares, which may help borrowers avoid dilution compared to certain equity financing options. 

Loan proceeds may be used for approved lawful purposes. 

Common uses may include:

• Expansion or Acquisitions
• Debt Refinancing
• Working Capital
• Real Estate Purchase 
• Investment Opportunities
• Bridge Financing
• Career Exit or transition planning
• Reducing concentration risk through added liquidity
• Purchasing luxury items such as a jet, a yacht, a helicopter 
• Persol liquidity needs
• Family planning, retirement residence, education, or long-term financial needs