What Is Share Financing?
Share financing — also known as a stock loan or securities-backed lending — allows owners of publicly traded shares to access liquidity against the value of their listed position, without selling.
Whether you need capital for business expansion, personal liquidity, portfolio diversification, or hedging an existing position, GMG's share financing solution is structured to move quickly, operate confidentially, and carry no personal recourse.
GMG arranges share financing across Singapore, Thailand, Malaysia, Japan, Hong Kong, Australia, India, Europe, the Middle East, and 20+ markets globally.
Why Shareholders Choose GMG Share Financing
Non-Recourse Structure
Your liability ends with the shares. You can walk away at any time with no further obligation, no personal guarantee, and no corporate guarantee. In the event of a default, no credit bureau reporting occurs and no public notices are filed.
Fast Access to Capital
Transactions close in as little as 3 to 10 business days. Once documentation is complete, funding is transferred directly to your designated bank account.
No Out-of-Pocket Costs
There are no upfront fees and no out-of-pocket expenses. Interest payments or modest maintenance fees apply on a quarterly or semi-annual basis during the loan term.
Total Confidentiality
Your identity, shareholding, and transaction details are kept completely private. The process is designed to protect our clients at every stage.
Flexible Use of Proceeds
Financing proceeds can be used for any purpose — business investment, personal liquidity, portfolio diversification, or hedging an existing stock concentration.
Fair Share Pricing
Loan values are calculated using a 3- or 5-day volume weighted average price, ensuring fair and transparent pricing for your stock position.
Retain Ownership
This is not a sale. You retain economic exposure to your shares and can benefit from price appreciation during the loan term.
Large Transactions Welcomed
GMG specialises in large, complex share financing transactions that banks, brokerages, and securities houses are often unable or unwilling to accommodate.
Share Financing — Key Terms
Eligible Borrowers
Corporations, institutional holders, major shareholders, HNW individuals
Securities Accepted
Publicly traded shares on recognised exchanges globally
Loan Term
Typically 3 years (flexible structures available)
Repayment Structure
Interest-only or modest Maintenance Fee; quarterly or semi-annual
Recourse
Non-recourse — no personal or corporate guarantee
Closing Timeline
3–10 business days from signed agreement
Credit Impact
None — no credit bureau reporting on default
Use of Proceeds
Unrestricted — business, personal, investment, hedging
Coverage
Asia, Australia, Canada, Europe, India, Middle East, South America
Upfront Fees
None
A Simple, Transparent Process
GMG's share financing process is designed to be straightforward, fast, and fully transparent. Here is how a typical transaction proceeds:
- Submit Your Shares for a Quote — Provide details of your listed stock position. GMG evaluates the securities and market liquidity.
- Receive a Term Sheet — GMG issues a personalised term sheet outlining the loan amount, rate, and structure.
- Sign the Term Sheet — Once agreed, the term sheet is countersigned and we proceed to documentation.
- KYC & Documentation — Standard know-your-client information is collected for the shareholder. The Loan Agreement is issued for review and execution.
- Open a Funding Account — The shareholder opens a designated brokerage account with a regulated firm (FCA-authorised in London, with custodian banks including HSBC, UOB Kay Hian, Deutsche Bank, and Mitsubishi Tokyo UFJ Bank).
- Funds Transferred First — GMG's lender transfers loan proceeds to the Funding Account before shares are transferred in. The account is held in the shareholder's own name.
- Shares Deposited — The shareholder transfers the agreed shares into the Funding Account.
- Funds Disbursed — Proceeds are immediately transferred to the shareholder's nominated bank account. Online account access is provided throughout.
Who Uses GMG Share Financing?
Our share financing programme is designed for:
- Founders and major shareholders of publicly listed companies who hold restricted or concentrated positions
- Corporate executives and officers holding significant equity grants or vested shares
- Institutional and family office investors seeking portfolio liquidity without forced disposal
- High-net-worth individuals in Singapore, Thailand, Malaysia, Japan, Hong Kong, and across Asia Pacific
- Shareholders who have been declined by banks or traditional brokerages due to deal size, jurisdiction, or stock type
GMG is uniquely positioned to arrange share financing in markets and situations where conventional lenders are unable or unwilling to engage — including cross-border structures, regional Asian exchanges, and large-block positions.
Share Financing Available Across 20+ Markets
GMG arranges share financing for listed securities across the following markets and exchanges:
Asia Pacific
Singapore (SGX), Thailand (SET), Malaysia (Bursa), Japan (TSE, OSE), Hong Kong (HKEX), Australia (ASX), India (NSE/BSE), Indonesia (IDX)
Europe
London Stock Exchange, Euronext, Deutsche Börse, and other major European exchanges
Americas
NYSE, NASDAQ, TSX (Canada), B3 (Brazil), BMV (Mexico)
Middle East
ADX, DFM, Tadawul and other regional exchanges
Frequently Asked Questions
Q: What is share financing?
A: Share financing is a form of securities-backed lending where a shareholder uses their publicly listed shares as collateral to obtain a loan. Unlike a share sale, the transaction preserves the shareholder's ownership interest and economic exposure to the stock. The loan is typically non-recourse, meaning the lender's only claim is against the shares themselves.
Q: What is a non-recourse stock loan?
A: A non-recourse stock loan means that the lender's recourse in the event of default is limited solely to the pledged shares. The borrower has no personal liability beyond the collateral. There is no personal guarantee, no corporate guarantee, and no credit bureau reporting in the event of a default.
Q: How quickly can I access funds through share financing?
A: GMG's share financing transactions typically close in 3 to 10 business days from the point of signed agreement, subject to account opening and share transfer logistics.
Q: Is share financing available in Singapore, Thailand, Malaysia, and Japan?
A: Yes. GMG arranges share financing for shareholders holding stocks listed on the SGX (Singapore), SET (Thailand), Bursa Malaysia, and the Tokyo Stock Exchange (Japan), as well as exchanges across 20+ countries globally.
Q: Can I use share financing proceeds for any purpose?
A: Yes. There are no restrictions on the use of proceeds. Shareholders commonly use the liquidity for business investment, personal expenditure, portfolio diversification, or to hedge a concentrated equity position.
Q: Will share financing affect my credit score?
A: No. GMG's share financing programme is non-recourse and lenders do not report to credit bureaus in the event of a default. There is no adverse impact on personal or corporate credit.
Q: What types of shares are eligible?
A: Freely traded shares listed on recognised international exchanges are typically eligible. Specific eligibility depends on the exchange, trading volume, market capitalisation, and the size of the position. Submit your shares for a preliminary assessment and GMG will advise on eligibility.
Q: Are there any upfront fees?
A: No. There are no upfront fees and no out-of-pocket expenses. Ongoing costs take the form of interest payments or modest maintenance fees, paid quarterly or semi-annually during the loan term.
Q: Who holds my shares during the loan?
A: Shares are deposited into a designated Funding Account held in the shareholder's own name at an FCA-regulated brokerage in London. The account has custodian banking relationships with major institutions including HSBC, UOB Kay Hian, Deutsche Bank, and Mitsubishi Tokyo UFJ Bank. The shareholder retains online access to the Funding Account throughout the transaction.
Q: What is the typical loan term?
A: The standard loan term is three years. Flexible structures may be available depending on transaction specifics.
Why GMG?
Global Mortgage Group (GMG) is a specialist cross-border finance advisory with operations across 23+ jurisdictions. Our team brings together backgrounds in international banking, law, financial markets, and wealth management — with deep institutional relationships across Asia, Europe, and beyond.
GMG's share financing programme is specifically designed to serve clients who fall outside the appetite of conventional lenders: large positions, cross-border structures, or markets where traditional banks and brokerages are unable to assist.
We operate with complete confidentiality, institutional rigour, and a track record of closing complex transactions across Asia Pacific.
Why Choose GMG:
- Regulated custodian banking partners (HSBC, Deutsche Bank, UOB Kay Hian, Mitsubishi Tokyo UFJ)
- FCA-regulated brokerage infrastructure
- 20+ markets covered
- Transactions close in 3–10 business days
- Zero upfront fees
- Non-recourse. No personal liability.
Ready to Unlock Your Share Value?
Submit your shares for a preliminary assessment today. Our team will evaluate your position and issue an indicative term sheet — at no cost and with complete confidentiality.
GMG's share financing programme is available to eligible shareholders across Singapore, Thailand, Malaysia, Japan, Hong Kong, Australia, India, Europe, the Middle East, and beyond. All enquiries are treated with strict confidentiality.
