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
-
Loan Amounts: From $1M -up to the equivalent value of Stock you can use as collateral
-
LTV (Loan-to-Value): Up to 70% of the stock’s current market value
-
Flexible Terms: Typically 1 to 5 years
-
No Credit Checks: Approval based on the stock—not your personal credit
-
Non-Recourse Options: In some cases, you’re not personally liable beyond the collateral
-
Tax-Efficient: Avoid capital gains from selling shares
Who It’s For
Stock loans are ideal for:
-
Investors needing liquidity without selling assets
-
Business owners funding expansion or operations
-
Real estate investors using stock to secure bridge funding
-
High-net-worth individuals managing short-term capital needs
-
Clients with large positions in publicly traded companies​
​​
​
