Single Stock Loans
Million Plus Private Finance arranges lending secured against individual listed shareholdings for high-net-worth clients with concentrated equity exposure. Facilities are structured with reference to the wider balance sheet, preserving ownership, portfolio intent, and long-term alignment through discreet engagement with private banks and specialist lenders.
Why Choose Million Plus Private Finance for Your Single Stock Loan?
Single stock lending sits within a specialist segment of private bank and securities-backed finance. Million Plus Private Finance works with lenders experienced in financing concentrated equity positions where volatility, liquidity, and concentration are central considerations. Our clients often hold meaningful stakes in listed companies as a result of executive compensation, founder exits, or long-term investment strategies. Facilities are structured with disciplined loan-to-value parameters and may incorporate interest-only or hybrid repayment profiles, aligned with cashflow requirements, portfolio management, and broader wealth planning objectives.
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Clients considering lending against a concentrated shareholding are encouraged to speak with a senior Million Plus adviser. We provide confidential guidance for high-net-worth individuals with complex financial profiles, international exposure, and multi-asset portfolios, supporting informed decisions before formal lender engagement.
Single stock loans provide liquidity against an individual listed shareholding without requiring a sale or disruption to long-term investment positioning. These facilities are commonly used where wealth is concentrated in a single quoted security, whether through executive share awards, founder disposals, or sustained conviction holdings.
Million Plus Private Finance approaches single stock lending from a balance-sheet perspective, assessing how concentrated equity exposure interacts with other assets, liabilities, and cashflow. This is particularly relevant where portfolio diversification, tax planning, or timing considerations make outright disposal unattractive.
Facilities are typically structured with conservative parameters reflecting share volatility and concentration risk. Repayment profiles may be interest-only or hybrid in nature, aligned with dividend income, portfolio rebalancing, or anticipated liquidity events. We coordinate valuation methodology, lender engagement, and legal documentation to ensure security arrangements meet private bank standards while maintaining appropriate client control. Execution is measured and discreet, reflecting the sensitivities associated with concentrated equity positions.
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For high-net-worth individuals, concentrated shareholdings often represent both conviction and constraint. Single stock loans offer a means of accessing liquidity while retaining exposure to a specific equity position, supporting capital management without forcing timing decisions.
Million Plus Private Finance works with clients whose balance sheets span listed securities, private equity, property, and international assets. In this context, a single stock position is assessed as part of the broader financial framework rather than in isolation. Considerations include volatility, correlation with other assets, dividend profile, and overall leverage tolerance.
Private banks and specialist lenders typically apply disciplined parameters to single stock lending, reflecting the risks inherent in concentration. This places emphasis on valuation methodology, margining, and ongoing monitoring. In some cases, combining a single stock position with other listed assets can improve resilience and flexibility, subject to lender appetite.
Cross-border considerations may arise where holdings, custody arrangements, or borrowers are based in different jurisdictions. We work alongside legal and tax advisers to ensure structures are coherent, executable, and aligned with regulatory expectations.
Our role remains advisory throughout. We focus on clear asset positioning, measured lender engagement, and facility design that supports long-term capital efficiency. For clients with significant exposure to individual equities, single stock loans can form part of a broader approach to liquidity management and balance-sheet alignment.
frequently asked questions
Mortgage Questions Answered
What is a single stock loan?
A facility secured against an individual listed shareholding, providing liquidity without selling the shares.
Are single stock loans available in the UK?
Yes. They are typically arranged through private banks and specialist lenders.
How much can be borrowed against a single stock?
Loan-to-value levels depend on liquidity, volatility, and concentration of the shareholding.
Do I retain ownership and voting rights?
Often yes, subject to the agreed security structure.
Are interest-only repayment structures available?
Yes, depending on facility design and lender requirements.
Can dividends be used to service the loan?
In some cases, dividend income may support repayment profiles.
Can a single stock loan be combined with other assets?
Yes. Blended facilities may be considered where appropriate.
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From prime UK and international assets to alternative investments, Million Plus Private Finance structures bespoke private finance solutions for high-net-worth clients. Senior advisers deliver discreet, flexible lending beyond high-street constraints.
