Borrow against your listed shares, bonds, ETFs and unit trusts without selling a single instrument. We pledge the portfolio in your name, advance funds the same day, and you keep every dividend.
| Instrument | Max LTV | Typical Term | Min Amount |
|---|---|---|---|
| Money-market funds | 90% | 1–12 months | R250,000 |
| RSA government bonds | 80% | 1–12 months | R250,000 |
| Top 40 equities | 60% | 1–12 months | R250,000 |
| ETFs (Top 40 / MSCI SA) | 50% | 1–12 months | R250,000 |
| Corporate bonds (rated) | 50% | 1–6 months | R500,000 |
| Unit trusts (equity) | 40% | 1–12 months | R250,000 |
| Unit trusts (balanced/multi-asset) | 35% | 1–12 months | R250,000 |
| Mid & small cap equities | 20% | 1–6 months | R500,000 |
Portfolios holding more than one instrument type are assessed on a blended basis. A concentrated position (single counter > 40% of portfolio value) may attract a lower advance rate. LTV figures are indicative and subject to credit-committee approval. Interest is serviced monthly; capital is repaid at term end.
We take a pledge and cession over your portfolio — not ownership. Your shares stay in your account, in your name, at your broker.
We instruct your CSDP or broker to flag the portfolio as pledged. The flag prevents sale or transfer without our consent, but dividends, corporate actions and voting rights remain yours throughout the loan term.
The pledge is registered under section 39(3) of the Financial Markets Act. It is released the day your capital is repaid — same day if payment clears before 14:00.
You continue to receive dividends. If a dividend is declared during the loan term, it is paid into your account as usual. We do not divert income.
A sale of listed securities is a disposal for capital-gains-tax purposes. A pledge is not. Paragraph 11(2)(a) of the Eighth Schedule to the Income Tax Act is clear: no change of ownership, no disposal, no CGT event.
This is the primary reason clients choose to borrow against a portfolio rather than liquidate it — especially where unrealised gains are significant or where the holding qualifies for the annual exclusion.
This is general information, not tax advice. Consult your tax adviser for guidance specific to your circumstances.
Worked example: a R1 m Top 40 portfolio pledged at 60% LTV produces a R600 k advance. The soft-call level is R780 k (−22%), the hard-call level is R720 k (−28%), and the liquidation trigger is R570 k (−43%). These thresholds are set at drawdown, published in your facility letter, and do not change during the term.
Individuals, trusts, companies and close corporations registered in South Africa. Non-residents considered on a case-by-case basis where the portfolio is held at a local CSDP.
Your securities must be held in a CSDP account (Strate) or at a JSE-member broker. We work with all major custodians.
The pledged portfolio must be worth at least R500,000 at the time of application. We advance from R250,000.
Applicants must not be under sequestration, in business rescue, or subject to unsatisfied court judgments exceeding R50,000.
Upload or email a recent statement from your CSDP or broker. We need the instrument names, ISIN codes and quantities.
Our team prices each instrument at the current market, applies the appropriate LTV, and sends you a facility letter within hours.
You sign the facility letter and we instruct your CSDP to flag the portfolio. No share certificates change hands.
Once the pledge is confirmed, we transfer the advance to your nominated bank account — typically same day if signed before noon.
No. Dividends continue to be paid into your account as usual. The pledge does not divert income — it only restricts sale or transfer of the underlying shares.
Not without our consent. The CSDP flag prevents sale or transfer. If you need to sell, contact us first — we can release specific counters provided the remaining portfolio still covers the loan at the required LTV.
We monitor the portfolio daily. If it falls to the soft-call level, we make contact. At the hard-call level, you have three business days to top up collateral or reduce the loan. Forced sales only happen after the hard-call window expires and the portfolio has fallen to the liquidation trigger.
No. A margin loan is used to buy more shares on leverage. Our facility is a term loan secured by shares you already own — the proceeds can be used for any purpose.
JSE-listed equities, ETFs, unit trusts, RSA government bonds and rated corporate bonds. Offshore holdings, unlisted shares and derivative positions are not accepted as collateral.
Interest is calculated daily on the outstanding balance and debited monthly. The rate is fixed for the term of the loan and disclosed in the facility letter before you sign.
Yes, at any time with no early-settlement penalty. The pledge is released the same day if payment clears before 14:00.
No. We take a pledge and cession — not ownership. The shares remain in your name, at your broker, in your account. We cannot vote, sell or transfer them without a trigger event under the facility agreement.
12 months, renewable by mutual agreement. Most clients renew at least once.
Send us a portfolio statement and we will come back to you the same day with an indicative advance, rate and facility letter. No obligation, no application fee.
Or call us: 010 595 1050
Unlock the capital tied up in your property without selling it. Residential, commercial, industrial or land — if it has value, we want to hear about it. We lend to businesses and juristic entities against property types that mainstream banks regularly decline.
Borrow against your vehicle or moveable asset. We take full physical custody of the asset for the entire loan term — professionally stored in a secure, insured facility — and return it in the same condition upon full settlement.
Short-term secured capital for business owners and entrepreneurs who need to move fast and cannot wait for a bank's credit committee. We take a commercial view and structure deals that work for real business situations.
You've sold your property but funds are tied up while transfer is processed. Bridging finance gives you access to up to 75% of your net sale proceeds now — not in three months. Widely used by sellers, attorneys and conveyancers.
Short-term finance for property developers who need to move fast. We understand that development timelines are unpredictable and structure deals that work for real-world development.