Selling good shares to solve a short-term cash problem is one of the most expensive decisions an investor can make.
WSTC shares-backed loan solves the cash problem and leaves the portfolio intact. Your quoted securities stay in your name and stand as collateral; we advance a percentage of their market value as a loan, typically within days of your application. You keep the dividends. You keep the upside. When the facility is repaid, the lien is released and nothing about your investment plan has changed.
Unlock the Value of Your Investments
Access funding using your shares as collateral without having to sell your investment portfolio, allowing you to meet immediate financial needs while staying invested.
Quick Access to Affordable Credit
Benefit from competitive, transparent rates and a streamlined approval process that provides timely access to funds when opportunities or emergencies arise.
Protect Your Long-Term Wealth
Maintain your investment position while accessing liquidity, with flexible repayment options and expert financial guidance to help you achieve both your short- and long-term financial goals.
Few Nigerian lenders genuinely understand equity collateral. We do our own group trades and manages these assets so we lend against shares confidently, fairly, and fast.
Benefits
- Immediate liquidity without liquidating — keep dividends and capital upside
- Competitive rates, because the collateral is high-quality and understood
- Fast processing: valuation and approval within days
- Transparent loan-to-value ratios and clearly communicated margin procedures
- Collateral assessed by a group that trades the NGX daily
- Flexible tenors, repay early without punitive charges
How Financing Works at WSTC
Submit Your Application
Complete a simple loan application and provide details of the listed shares you intend to use as collateral, along with the required identification and supporting documentation.
Share Portfolio Review & Offer
Our investment and credit team verifies ownership, assesses the market value and eligibility of your shares, and prepares a tailored loan offer outlining the approved amount, interest rate, tenure, and repayment terms.
Loan Approval & Disbursement
Upon acceptance of the offer and completion of the collateral documentation, your loan is approved and the funds are disbursed directly to your designated bank account, typically within a short turnaround time.
Repay & Recover Your Shares
Make repayments according to the agreed schedule while retaining the economic benefits of your investment. Once the loan has been fully repaid, the security interest over your shares is released, restoring full control of your portfolio.
