Phoenix Investment Bank Ltd. offers Loan Against Shares (LAS) facilities that enable investors to unlock liquidity from listed equity portfolios without selling their holdings. This secured lending solution is designed for short- to medium-term funding while preserving ownership, long-term market exposure, and upside potential.
Our LAS offerings combine prudent credit structuring, portfolio-based risk assessment, flexible repayment options, and continuous monitoring to ensure capital efficiency, transparency, and continuity of investment strategy.
What Is a Loan Against Shares?
Loan Against Shares is a secured financing facility where eligible listed securities are pledged as collateral. Investors retain ownership and economic interest in the pledged shares, continue to participate in market movements, dividends, and corporate actions, and gain access to liquidity for personal, business, or investment needs.
How does LAS Work?
Eligible securities are assessed based on liquidity, volatility, market capitalisation, trading history, and portfolio diversification. Approved shares are pledged under secure custody arrangements, funds are disbursed in line with approved Loan-to-Value (LTV) ratios, and positions are monitored dynamically. Upon repayment, pledged securities are released to the client.
Key Features
- Competitive LTV Ratios
LTVs are calibrated based on security liquidity, volatility, market capitalisation, and portfolio concentration, balancing usable liquidity with disciplined risk protection. - Flexible Repayment Structures
Facilities support interest-only servicing, bullet or staggered principal repayment, customised tenures, and early repayment options, subject to agreed terms. - Portfolio-Based Risk Management
Risk is assessed at the portfolio level rather than individual securities, enabling efficient utilisation of diversified holdings while managing concentration risk through dynamic margin monitoring and rebalancing mechanisms. - Liquidity Without Asset Liquidation
LAS allows investors to access funds without triggering asset sales or capital gains events, while continuing to benefit from potential appreciation and dividends.
Use Cases
Loan Against Shares may be used for working capital, new investment opportunities, business expansion or bridge financing, and personal liquidity requirements without disrupting core portfolios.
Who Can Benefit
LAS solutions are suited for high-net-worth individuals, professional investors, entrepreneurs, and business owners seeking temporary liquidity while maintaining long-term investment positions.
Why Phoenix Investment Bank Ltd.
Clients benefit from transparent lending structures, disciplined credit and margin management, secure custody of pledged securities, and responsive service aligned with market conditions. Phoenix Investment Bank Ltd. enables responsible portfolio leverage through institutional-grade risk controls and market expertise.
