Solutions
Pre-IPO & Restricted Stock Loans
Founders, executives, and early investors often hold their largest asset in private company stock they cannot easily sell. We arrange financing against that equity so you can access liquidity before an IPO or sale, without selling or diluting.
Start a Confidential ConversationWho it’s for
- Founders and executives
- Early investors and insiders
- Holders of SPV interests
- Shareholders in lock-up after a listing
What we finance
- Direct cap-table shares
- SPV interests
- Restricted and lock-up stock
- Private stock combined with other assets
Common uses
- Buy a home or fund an investment
- Diversify before a liquidity event
- Fund option exercises and related taxes
- Support a business without diluting
Why borrow instead of sell
Independent, borrower-side advice from first conversation to closing.
Keep your upside
You borrow against the shares; you do not sell them.
No dilution
Your ownership stays intact through the liquidity event.
Discretion
A confidential process, with nothing shared without your approval.
Time-bound by design
Financing positioned around an expected IPO or sale.
How it works
Competitive, efficient, and borrower-aligned.
Profile
Define objectives, constraints, and the collateral picture.
Prepare
Build a blind teaser and memo, and match lenders in MAMM.
Go to market
Confidential outreach to the lenders you approve.
Term sheets & close
Compare offers, negotiate, and manage closing.
Frequently asked questions
Can I borrow against private company stock?
Yes, with lenders that specialize in it. Terms depend on the company’s stage, transfer restrictions, and the expected timeline to a liquidity event.
Does the company need to approve?
Transfer and pledge restrictions in company documents often apply. We review them up front and take them into account before any lender sees the opportunity.
Can other assets support the loan?
Yes. Combining private stock with fund interests or real estate can widen the lender pool and improve terms.
What size do you work on?
Typically $5 million and above, for U.S. borrowers.
Liquidity for a Public Company Chairman & CEO
Collateral: private company equity, PE fund interests, and real estate. Use: a sports franchise investment.
Read the case study →Real Estate · Repeat ClientResidential Acquisition Financing, Closed in Days
Collateral: private equity holdings and business cash flow. Use: acquire a residence on a tight timeline.
Read the case study →Talk to us about your situation
Every engagement starts with a confidential conversation.
Start a Conversation