Stock Loans
Access Liquidity Without Selling Your Shares
Need fast capital but don’t want to sell your stock holdings? A Stock Loan from Wiseside Financial allows you to borrow against the value of your publicly traded shares—without triggering taxes or sacrificing future gains.
Preserve your ownership while unlocking liquidity to invest, grow, or stabilize your finances.
What is a Stock Loan?
A Stock Loan—also known as a securities-based loan—allows you to use your stock portfolio as collateral to access a cash loan. Rather than selling your shares, you borrow against their market value. This provides immediate liquidity while you retain potential upside from future appreciation.
It’s an efficient, low-friction way to fund personal or business needs without disrupting your investment strategy.
Key Features
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Loan Amounts: From $1M -up to the equivalent value of Stock you can use as collateral
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LTV (Loan-to-Value): Up to 70% of the stock’s current market value
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Flexible Terms: Typically 1 to 5 years
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No Credit Checks: Approval based on the stock—not your personal credit
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Non-Recourse Options: In some cases, you’re not personally liable beyond the collateral
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Tax-Efficient: Avoid capital gains from selling shares
Who It’s For
Stock loans are ideal for:
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Investors needing liquidity without selling assets
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Business owners funding expansion or operations
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Real estate investors using stock to secure bridge funding
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High-net-worth individuals managing short-term capital needs
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Clients with large positions in publicly traded companies
