Service overview
Structured liquidity against eligible listed securities, supported by portfolio review, custody controls, and margin discipline.
Loan Against Shares (LAS) – Structured Liquidity Against Eligible Securities
Phoenix Investment Bank (Labuan) Ltd. provides Loan Against Shares (LAS) solutions that allow eligible investors to obtain structured liquidity against listed equity holdings without forced portfolio disposal. This secured lending product is designed for approved clients seeking short- to medium-term funding while preserving long-term market exposure, ownership, and upside potential.
Our LAS offerings combine prudent credit structuring, portfolio-based risk management, and flexible repayment options, ensuring capital efficiency, transparency, and continuity of investment strategy.
Real-Time Portfolio Monitoring
Institutional-Grade Asset Security
What Is a Loan Against Shares?
A Loan Against Shares is a secured financing facility where eligible listed securities are pledged as collateral to obtain funding. While the shares remain pledged, the investor:
- Retains ownership and economic interest
- Continues to participate in market movements, dividends, and corporate actions
- Gains access to liquidity for strategic, business, or investment-related liquidity requirements
LAS is particularly suited for investors who believe in the long-term value of their portfolios but require structured liquidity without disrupting their investment plans.
How Loan Against Shares Works
- Portfolio Review & Eligibility Assessment Listed securities are evaluated based on liquidity, volatility, market capitalisation, trading history, and diversification.
- Pledge of Securities Approved shares are pledged as collateral under secure custody and monitoring arrangements.
- Loan Disbursement Funds are released efficiently, aligned with the approved Loan-to-Value (LTV) ratio.
- Ongoing Margin Monitoring Dynamic risk monitoring and rebalancing mechanisms help manage market fluctuations.
- Repayment & Release of Collateral Upon repayment, pledged securities are released back to the client.
Key Advantages of Phoenix Investment Bank (Labuan) Ltd.’s LAS
Competitive Loan-to-Value (LTV) Ratios
Phoenix Investment Bank (Labuan) Ltd. offers carefully calibrated LTV ratios designed to optimise liquidity while protecting against downside risk. LTV determination is based on:
- Liquidity and volatility of underlying securities
- Market capitalisation and historical trading behaviour
- Portfolio diversification and concentration levels
This disciplined approach ensures maximum usable capital without compromising risk integrity.
Flexible Repayment Structures
Our LAS facilities are structured to align with varying cash-flow profiles, offering:
- Interest-only servicing, with bullet or staggered principal repayment options
- Customised tenures aligned with client objectives and prevailing market conditions
- Early repayment flexibility, subject to agreed terms
This allows investors to manage liquidity needs efficiently and strategically.
Portfolio-Based Risk Assessment
Rather than evaluating securities in isolation, Phoenix Investment Bank (Labuan) Ltd. adopts a holistic, portfolio-based risk assessment framework, enabling:
- Better utilisation of diversified portfolios
- Reduced single-stock and sector concentration risk
- Dynamic margin monitoring, top-up triggers, and rebalancing mechanisms
This disciplined methodology ensures sustainable lending while safeguarding both client and bank interests.
Liquidity Without Asset Liquidation
Loan Against Shares allows investors to:
- Obtain structured liquidity without selling long-term holdings
- Avoid capital gains tax events triggered by forced asset sales
- Continue benefiting from potential appreciation, dividends, and strategic positioning
As a result, LAS serves as an efficient financing tool for investors with strong long-term convictions.
Use Cases for Loan Against Shares
LAS can be utilised for:
- Short-term working capital requirements
- Funding new investment opportunities
- Business expansion or bridge financing
- Approved client liquidity requirements without portfolio disruption
Who Can Benefit from LAS?
Our LAS solutions are ideal for:
- Approved private clients (HNIs) and professional investors
- Entrepreneurs and business owners seeking temporary liquidity
- Investors funding new opportunities without altering core portfolios
Why Choose Phoenix Investment Bank (Labuan) Ltd. for Loan Against Shares?
Clients benefit from:
- Structured and transparent lending frameworks
- Disciplined credit, margin, and risk management practices
- Secure custody and continuous monitoring of pledged securities
- Responsive service aligned with real-time market dynamics
By combining deep market expertise with prudent credit structuring, Phoenix Investment Bank (Labuan) Ltd. enables investors to leverage their portfolios responsibly—delivering liquidity, flexibility, and uninterrupted market participation.
Plan a securities-backed lending enquiry
For eligible shareholders seeking liquidity against an approved listed-securities portfolio.
Scope to discuss
- Review collateral eligibility and custody requirements.
- Assess financing purpose, security value and risk.
- Clarify margin monitoring, repayment and facility conditions.
Security eligibility, valuation, margins and facility approval require assessment. Review Wealth Management where liquidity planning forms part of a wider portfolio discussion.
Information to prepare
Prepare the securities and holdings, exchange and custody details, proposed financing amount and purpose, and relevant income or cash-flow information.
Next steps and fees
Send an initial enquiry with the service and your objective. Phoenix reviews the proposed scope, eligibility and information requirements before a mandate is agreed. Execution is subject to due diligence, documented responsibilities and the relevant approvals.
Fees are assessed by mandate scope, complexity, due diligence and execution requirements. Review the Fees & Engagement Terms before discussing a proposal.