Stone Creek Global Liquidity Without Liquidation

Unlock Non-Recourse Capital from Public Equity Holdings

Monetize concentrated stock positions instantly without selling your portfolio. Secure institutional financing while maintaining full dividend rights, price appreciation, and complete liability protection.

This site is proudly operated by an authorized agent of Stone Creek Global, Ltd. Inquiries are handled directly by the firm in strict confidence.

About Stone Creek Global

Since 2007, Stone Creek Global has structured bespoke liquidity solutions for institutional shareholders, founders, and family offices seeking to unlock capital while preserving equity ownership.

We operate with institutional precision, strict confidentiality, and an uncompromising focus on borrower objectives. Every liquidity requirement is unique; every facility is customized from initial evaluation through execution.

Strategic Capital Applications

1

Fund major acquisitions, co-investments, or real estate opportunities without liquidating core holdings.

2

Inject growth capital into private ventures while preserving public market exposure.

3

Diversify away from single-asset concentration without triggering immediate taxable events.

4

Navigate soft market conditions or lock-up periods without selling at a discount.

Institutional Borrower Advantages

Six Structural Protections of SCG Non-Recourse Liquidity

Zero Personal Recourse & Total Estate Protection

SCG has no personal recourse against you whatsoever. The facility is secured solely by the pledged securities. If the asset declines or suffers a sudden market collapse, SCG absorbs 100% of the loss. SCG cannot pursue your personal bank accounts, real estate, cash reserves, or other assets under any circumstances.

Asymmetric "Walk-Away" Optionality

Zero forced balloon payments or deficiency judgments. Unlike traditional bank debt or margin loans with mandatory debt service and personal liability, you retain full upside appreciation if your shares rise, or you can unilaterally walk away without penalty or further obligation if market conditions deteriorate.

Unencumbered Balance Sheet & Credit Power

Preserves your ongoing borrowing capacity with other lenders. Because this financing creates no personal debt encumbrance on your ledger, your creditworthiness, banking relationships, and acquisition financing capabilities remain unimpaired and attractive to third-party institutions.

Complete Discretion & Privacy

No required debt disclosures to outside parties. With no personal guarantee and no liability reflected on your personal financial statements, you are not forced to disclose this facility to business partners, external lenders, or credit reporting agencies.

Asset-Centric Evaluation (No Invasive Audits)

Underwriting evaluates equity liquidity, not your personal life. Your personal credit score, personal tax returns, corporate financial statements, and debt-to-income ratios do not come into consideration, ensuring a streamlined, confidential execution.

Immunity from Margin Calls

A vastly safer alternative to brokerage margin debt. Margin accounts demand immediate cash injections during downturns and can liquidate your portfolio without consent. SCG’s structure ring-fences your collateral with zero cross-collateralization against your other holdings.

Facility Parameters

Facility Size

$1M USD minimum

Single and multiple tranche allocations tailored to institutional mandates.

Flexible Advance Rates

Up to 80% LTV

Determined by asset profile and liquidity metrics.

Eligible Collateral

Global Securities

Publicly listed equities, ETFs, and investment-grade bonds on most major global exchanges.

Execution Timeline

3 to 14 Business Days

Closing and funding are typically completed rapidly following underwriting approval.

Who We Serve

Shareholders

Monetize equity value while maintaining full market exposure and long-term appreciation potential.

Founders

Access substantial capital without diluting equity, relinquishing governance, or unwinding core positions.

C-Suite Executives

Secure flexible liquidity aligned with executive holding periods without open-market liquidation.

Family Offices

Execute confidential liquidity strategies that optimize portfolio diversification and preserve multi-generational wealth.

Global Exchange Coverage

Securities must maintain a 30/60-day average daily trading volume greater than $200,000 USD (or $400,000 USD for GCC/REPO exchanges) to qualify. Because regional eligibility varies, we recommend checking our list, which we update regularly. If your exchange is missing from the list, you can request a formal pre-approval review to determine eligibility.

North America

Europe & The United Kingdom

Asia & Pacific

Middle East*

Central & South America

Caribbean*

  • Bermuda Stock Exchange (BSX)
    Bermuda Inquire
  • Cayman Islands Stock Exchange
    Cayman Islands Inquire
  • Eastern Caribbean Securities Exchange (ECSE)
    Eastern Caribbean Inquire
  • Jamaica Stock Exchange
    Jamaica Inquire
  • Trinidad and Tobago Stock Exchange (TTSE)
    Trinidad & Tobago Inquire

Africa

Regional GCC REPO Facilities*

We provide specialized REPO facilities against listed securities across GCC exchanges: Saudi Arabia (Tadawul), UAE (ADX / DFM), Qatar (QSE), Oman (MSX), Bahrain (BHB), and Kuwait (BK). Coverage extends to Egypt and Pakistan. Certain GCC exchange approvals may require an additional internal review.

*Exchanges marked with an asterisk or in certain jurisdictions may require additional eligibility, custody, regulatory, or transaction-structure review. Please inquire for specific details regarding your assets.

Strategic Capital Intelligence

Stock Loan Forecaster

Select your region and industry to forecast macroeconomic headwinds and capital pressures over the next 3, 5, 7, and 10 years. Determine whether your public equity holdings should be leveraged into a non-recourse liquidity facility.

Interactive Forecasting Parameters Zero Point Initialized
SCG Global Coverage: Global Exchanges Covered

Covers all regions & recognized exchanges SCG lends in globally. Fixed rates determined by pledged collateral.

Standard LTV Advance Rate: --% LTV

Advance rates >60% require a detailed explanation from the borrower & committee approval.

SCG Loan Facilities Range: $1M – $1B+

Please note: SCG's loan facilities range from $1M – $1B+.

Select Forecasting Horizon

Explore how macroeconomic & regulatory pressures compound over time:

Zero Point Initialized
Suitability Verdict
STRATEGICALLY OPTIMAL
Indicative Liquidity Unlocked:
$2,750,000 USD
Calculator →
💻

Technology & Artificial Intelligence

North America (US, Canada & Mexico)

Equity Volatility: Moderate Risk
5-Year Industry Macro Trend Projection

Widespread commercialization of enterprise AI; clear distinction between margin leaders and commoditized software.

5-Year Regional & Global Geopolitical Forecast (NA) Moderate Friction

Consolidation of critical mineral and advanced semiconductor production corridors across the North American economic bloc. Federal debt refinancing costs prompt corporate tax debates.

Policy Focus: Sovereign Supply Chain Reshoring 7 Global Exchanges Covered
Financial Impact on Industry & Region

Companies with strong recurring revenue recover multiples; laggards face consolidation and down-rounds.

Liquidity & Capital Market Environment

Significant upside potential in retained shares while holding non-recourse cash reserves safe from personal liability.

Cost of Traditional Capital: Moderate, with selective bank lending Term Horizon: 5 Years
SCG Suitability Verdict
STRATEGICALLY OPTIMAL

Should You Consider a Stock Loan?

OPTIMAL SUITABILITY — Maintain unhedged exposure to next-generation tech leaders while diversifying balance sheets.

Unlocking non-recourse liquidity enables aggressive private diversification while maintaining 100% upside in market-leading shares with zero personal debt recourse.

Indicative Liquidity Unlocked (55% LTV)
$2,750,000 USD
Advance rates >60% require a detailed explanation from the borrower.
Competitive fixed rate determined solely by pledged collateral • 100% Non-Recourse
1. Downside Volatility Firewall: Permanent obsolescence protection: Shields against black-swan disruptions with complete non-recourse covenants.
2. Monetize Without Taxable Sale: Tax-neutral wealth realization: Access liquidity in usable cash without triggering capital gains taxes or ownership dilution.
3. 100% Retained Upside & Dividends: Capture multi-year equity expansion across transformative technological waves and retain all dividends.
4. Capital Reallocation Arbitrage: Deploy liquidity into private ventures or adjacent assets while retaining full founder proxy voting governance.
Model in Calculator
Facilities structured via Stone Creek Global, Ltd. Non-recourse securities lending covering recognized global exchanges across all regions SCG lends in. Competitive fixed interest rates determined strictly by pledged collateral. Loan facilities $1M – $1B+.
Strict Bilateral Non-Disclosure Protected
Non-Recourse Stock Loan & LTV Calculator

Calculate Indicative Loan Proceeds

Follow our guided 2-step workflow to model non-recourse borrowing capacity and facility terms against your public equities. All interactive values initialize at zero point ($0).

Guided Workflow: Step 1 of 2 — Collateral Position & Valuation
Step 1 of 2: Collateral Holdings Assessment

Define Pledged Collateral Position

Select your recognized public stock exchange and define position valuation. Minimum institutional facility size is $1,000,000 USD (loans range $1M – $1B+).

Collateral Status $0 USD
USD
Quick Valuation Presets:
Zero-Knowledge Memory Guarantee: Input calculations execute strictly client-side in volatile browser memory. Data is never persisted or logged.
Collateral Valuation Basis
$0 USD

Institutional non-recourse facilities require a minimum collateral value of $1M USD. Pledged equities remain segregated in your designated custodian account.

Exchange Jurisdiction: Pending Selection
Equity Ticker: -
Facility Qualification: Awaiting Position Value ($1M+ Min)
Recourse Structure: 100% Non-Recourse ($0 Liability)
* Zero personal recourse guarantee

Transaction Workflow

Initiation & Approval

Step 1: Submission & Underwriting

Submit loan requests directly to our credit committee. Term approvals are typically delivered within 24 to 72 hours.

Step 2: Term Review

Evaluate and accept customized loan parameters tailored to your asset profile.

Step 3: Documentation

Formal institutional loan agreements and execution documents are issued for review.

Account Setup & Asset Security

Step 4: Custody Onboarding

A dedicated account is established with an institutional custodian in your name, governed by a control agreement.

Step 5: Collateral Transfer

Securities are transferred to your dedicated account under a non-title transfer structure, maintaining registration in your name.

Closing & Disbursement

Step 6: Closing Statement

Review and execute the final loan settlement statement.

Step 7: Funding

Capital proceeds are disbursed directly to your designated account.

Capital Deployment

Step 8: Tranche Access

Subsequent tranche drawdowns are executed as required by your facility structure.

Final Step: Completion

Facility setup is complete. You retain full ownership benefits, voting rights, dividend entitlements, and equity upside.

Representative Confidential Transactions

Over two decades of executing high-value transactions under strict non-disclosure.

Expedited International Closing

$500M Single Tranche

Arranged a $500 million single-tranche facility for an international shareholder against global exchange-listed equity to meet time-sensitive year-end capital objectives.

Ultra-High-Net-Worth Liquidity

$1B+ Landmark Facility

Structured a landmark $1 billion+ non-recourse facility for an UHNW principal, setting an industry benchmark for scale, discretion, and execution accuracy.

Institutional Relationship

$2B+ Multi-Tranche Facility

Executed a series of independent tranches exceeding $2 billion for an institutional relationship, delivering consistent underwriting standards across multiple funding phases.

Cross-Border Capital

$1M–$1B+ Middle East Real Estate Funding

Provided targeted stock-backed liquidity for international investors acquiring premier commercial, hotel, and residential assets across Saudi Arabia and the UAE.

Representative transactions are provided for illustrative purposes only. Individual transaction terms, eligibility requirements, loan structures, and outcomes vary based on collateral, market conditions, and underwriting review.

Frequently Asked Questions

What is a securities-backed stock loan?

A stock loan allows you to access liquid capital by pledging publicly traded securities as collateral. You retain ownership, dividend rights, and upside participation throughout the loan term, with qualification determined solely by asset quality and trading volume.

What does "non-recourse" mean for the borrower?

Non-recourse means the pledged securities serve as the sole collateral securing the facility. In the event of a market downturn, the lender's claim is strictly limited to the pledged asset—your personal, corporate, and real estate assets remain completely unexposed.

Do I maintain dividend rights and voting rights?

Yes. While the securities secure the loan, you retain participation in corporate actions, full dividend rights, and 100% of equity appreciation.

Does borrowing trigger a taxable event?

Because the transaction is structured as a loan rather than an equity sale, it generally does not trigger an immediate capital gains tax event. However, tax treatments vary by jurisdiction, and you should consult a qualified tax professional to confirm your specific obligations.

Which securities qualify?

Liquid equities, ETFs, and investment-grade bonds listed on most major global exchanges qualify, with terms dictated by the asset's daily trading volume and liquidity profile.

How is maximum Loan-to-Value (LTV) determined?

LTV advance rates are evaluated based on the collateral's liquidity, market capitalization, average daily volume, and exchange jurisdiction, with loan limits reaching up to 80% LTV.

What is the execution timeframe?

Indicative term sheets are typically provided within 24 to 72 hours of submission, with complete closing and funding occurring within 3 to 14 business days.

Are there upfront fees, credit checks, or income verifications?

No. There are zero upfront fees, no credit checks, no tax return submissions, and no personal guarantees required.

How is transaction confidentiality maintained?

Discretion is core to our firm. Every engagement is governed by strict non-disclosure protocols, protecting borrower identity and transaction details from initial consultation through maturity.

What occurs upon facility maturity?

Upon repayment of principal and interest according to agreed terms, the pledge over your securities is released and unrestricted control returns to you.

What happens if the loan isn’t funded?

Under the Control Agreement, the custodian returns your shares if the loan does not fund.

Can wealth advisors or family office representatives coordinate the transaction?

Yes. We routinely collaborate with wealth managers, legal counsel, and family office executives to ensure aligned, frictionless execution.
Indicative Capital Unlocked:
$0 (60% LTV)