Unlisted Stock Loans
Million Plus Private Finance arranges lending secured against unlisted shares and private company equity for high-net-worth clients. Facilities are structured with reference to the client’s wider balance sheet, providing access to liquidity while maintaining ownership, governance, and long-term alignment through discreet engagement with private banks and specialist lenders.
Why Choose Million Plus Private Finance for Your Unlisted Stock Loan?
Lending secured against private company shares sits within a specialist segment of private bank and balance-sheet lending. Million Plus Private Finance works with lenders experienced in financing unlisted equity and pre IPO holdings, where asset quality, documentation, and enforceability are central. Our clients typically present complex income profiles, international assets, and concentrated equity positions that fall outside conventional credit frameworks. Facilities are structured with appropriate loan-to-value parameters and may incorporate interest-only or hybrid repayment profiles, aligned with anticipated liquidity events and broader wealth planning considerations.
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Clients considering lending against private company shares are encouraged to discuss their position 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.
Unlisted stock loans provide access to liquidity from private company equity without the need to sell shares or alter long-term ownership intentions. Facilities are structured with reference to valuation support, share restrictions, shareholder documentation, and enforcement mechanics.
Million Plus Private Finance approaches these facilities from a balance-sheet perspective, assessing how private equity holdings interact with property, listed investments, and other assets. This is particularly relevant where wealth is concentrated in operating businesses or growth-stage companies and where income does not directly reflect underlying asset value.
Facilities are typically structured conservatively, with repayment profiles aligned to cashflow expectations or anticipated liquidity events such as refinancing, dividends, or exits. We coordinate valuations, lender engagement, and legal documentation to ensure security arrangements are robust while maintaining appropriate client control. Execution remains measured and discreet, reflecting the sensitivities associated with private shareholdings.
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For many high-net-worth individuals, private company equity represents a substantial component of overall wealth while offering limited immediate liquidity. Unlisted stock loans address this imbalance by allowing capital access without disrupting ownership or governance.
Million Plus Private Finance works with clients whose balance sheets span private businesses, property, listed investments, and international assets. Rather than viewing unlisted shares in isolation, we consider how they function within the wider financial framework, including liabilities, cashflow requirements, and future capital events.
Private banks and specialist lenders typically approach unlisted equity conservatively, with emphasis on valuation support, enforceability of security, and downside protection. This requires disciplined preparation of financial information, shareholder documentation, and legal structures. In certain cases, facilities may be combined with other assets to improve resilience and flexibility, subject to lender appetite.
Cross-border considerations are common where companies, shareholders, and lenders operate across jurisdictions. We work alongside legal and tax advisers to ensure structures are coherent, executable, and aligned with regulatory and jurisdictional requirements.
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 private company equity, unlisted stock loans can form part of a broader approach to liquidity management and balance-sheet alignment.
frequently asked questions
Mortgage Questions Answered
What is an unlisted stock loan?
A facility secured against private company shares, allowing access to liquidity without selling equity.
Are unlisted stock loans available in the UK?
Yes. They are typically arranged through private banks and specialist lenders.
How much can be borrowed against unlisted shares?
Loan-to-value levels depend on company fundamentals, liquidity prospects, and documentation.
How are unlisted shares valued for lending?
Valuation is supported by company accounts, funding history, and assessment of realistic exit pathways.
Can pre IPO shares be used as collateral?
In certain cases, where there is a credible pathway to liquidity and appropriate documentation.
Do borrowers 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 unlisted shares 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.
