Equity Backed Facility

Unlock the value of your stock portfolio without selling your shares using Meristem’s Equity Backed Facility. We lend against your listed Nigerian equities, typically up to 60‑70% of their market value, providing cash for any purpose while you retain ownership and dividends. The loan is structured as a non‑recourse facility—if share prices fall significantly, you can simply hand over the shares instead of repaying the loan. Interest rates are competitive because your portfolio serves as collateral, and there are no restrictions on how you use the borrowed funds. You can repay early without penalty or roll over the facility as long as loan‑to‑value ratios remain acceptable. This is ideal for investors who need cash but believe their shares will appreciate further or want to avoid crystallizing capital gains tax.