Private Stock Loans

Access capital without selling your position—flexible lending secured against privately held equity

For shareholders of private or pre-IPO companies, accessing liquidity without selling equity has always been a challenge. Unlisted stock loans provide a flexible solution by enabling borrowers to use their privately held shares as collateral for a secured loan—typically arranged through a specialised lender familiar with illiquid securities. These facilities can be used for personal or business purposes, without forcing premature dilution or triggering capital gains events.

Through our Private Office, we connect eligible clients—often founders, early employees, and private investors—with specialist lending partners who understand the unique risks and valuation issues of unlisted shares. Each loan is tailored based on the stock’s expected value, business fundamentals, and legal enforceability. Clients can unlock liquidity, pursue opportunities, or refinance debt while retaining ownership and upside.

What It Offers

Unlisted stock loans allow you to borrow against the value of your privately held shares, even if there is no current public market. This provides short- to medium-term liquidity for business, investment, or personal needs—without needing to exit your position.

• Liquidity without sale: Borrow against private company shares while retaining ownership
• Flexible terms: Tailored lending periods, typically from 12 to 36 months
• No personal guarantees: Loans are secured against the shares—not your broader wealth
• Confidential process: Discreet underwriting with no public disclosure
• Global access: Structures available for shareholders across multiple jurisdictions
• Use of funds: Raise capital for investment, tax planning, or personal reasons

Who It’s For

• Shareholders in pre-IPO or privately held companies
• Entrepreneurs seeking liquidity without dilution
• Founders awaiting a funding round, acquisition, or IPO
• International investors with cross-border shareholdings
• UHNWIs managing portfolio-level liquidity

Understanding Your Needs

If you're sitting on significant paper wealth but lack short-term liquidity, you're not alone. Unlisted stock lending is rarely marketed and often misunderstood—leaving many high-value shareholders unaware of their options. At Kingsbury & Partners, we work with seasoned lenders who understand the nuances of private equity holdings. We're here to connect you with a vetted solution that aligns with your goals—not push a one-size-fits-all product.

Through our Private Office, clients benefit from more than just access to lending—they gain a strategic partner who understands their broader financial picture. Whether it’s coordinating with tax advisers, structuring holding vehicles, or preparing for an upcoming liquidity event, we bring together trusted professionals across legal, wealth, and corporate services to ensure your decisions are aligned, efficient, and protected. This isn’t just about unlocking capital—it’s about doing it the right way.