Trade, borrow and lend on Nigerian equities
Your portfolio,
working harder.
Need cash? Don’t sell your shares. Borrow against them, keep trading the market, and earn extra by lending the stocks you plan to hold anyway.
- Your shares stay yours
- Terms shown before you commit
- Every change on record
Borrowing power
Illustration01Market value of pledged shares
₦5,000,000.00
quantity × market price
02Collateral value
₦3,500,000.00
after a 30% haircut
03You could borrow up to
₦1,750,000.00
at a 50% loan-to-value limit
Markets
What the market is doing
The biggest movers and the most traded stocks, straight from the platform.
Market prices are not available right now
Sign in to see the full market, your portfolio and what you could borrow.
Sign inProducts
Three ways to put your shares to work
One account, connected to your brokerage and CSCS holdings.
Trade
Buy and sell Nigerian stocks.
Search the market, follow the stocks you care about and place orders from one screen.
- Market and limit orders
- Watchlists and price alerts
- Order and trade history
Borrow
Get a loan against your shares.
Pledge shares you already own as collateral and get funded — without selling a single one.
- See your borrowing power first
- Clear terms and repayment schedule
- Shares released when you finish repaying
Lend
Earn from shares you’re holding.
Offer your shares to borrowers for a period you choose and earn a lending fee on top.
- Pick the quantity and duration
- Track active lending contracts
- Recall your shares when you need them
Borrowing power
Know what you can borrow before you ask
Three numbers decide it, and you see all three: what your shares are worth, how much of that counts as collateral, and how much of the collateral you may borrow.
Valued at the market price
Your pledged shares are valued at the latest price, then revalued as the market moves.
A cushion for price swings
A haircut is taken off each stock, larger for the more volatile ones.
A limit you can see
The most you can borrow is a set share of the collateral value. It is shown before you apply.
Borrowing power
Illustration01Market value of pledged shares
₦5,000,000.00
quantity × market price
02Collateral value
₦3,500,000.00
after a 30% haircut
03You could borrow up to
₦1,750,000.00
at a 50% loan-to-value limit
How borrowing works
From portfolio to funded, in five steps
You always see the terms before you commit, and you can track every stage afterwards.
- 01
Connect your portfolio
Link your brokerage and CSCS account and authorise us to read your holdings.
- 02
See what you can borrow
We value your eligible shares and show your maximum loan, rate, fees and repayments up front.
- 03
Pledge and get funded
Choose the shares and amount, accept the agreement, and the pledged shares are locked as collateral.
- 04
Repay automatically
Repayments are collected on schedule through SureRepay. Pay extra or settle early whenever you like.
- 05
Get your shares back
Once the loan is fully repaid, your collateral is released back to you.
Protection
Built so there are no surprises
Borrowing against shares carries real risk. Here is how we keep you informed and in control.
Pledged, not sold
Borrowing locks your shares as collateral. They are not sold to fund your loan, and they come back to you when it is repaid.
Warned before it’s urgent
We watch the value of your collateral against your loan. If the market moves against you, you get a margin warning and clear options: add collateral or pay down the loan.
Terms in writing, up front
Interest, fees and the full repayment schedule are shown before you accept. Statements are there whenever you need them.
Verified accounts only
Every customer is identity-verified before they can trade, borrow or lend, and every change to a loan or its collateral is recorded.
FAQ
Questions, answered plainly
Do I have to sell my shares to get a loan?
No. The shares you choose are pledged and locked as collateral for the life of the loan. You keep owning them, and they are released once the loan is fully repaid.
How is the amount I can borrow worked out?
We take the market value of your eligible shares, apply a haircut to allow for price swings, and then apply a loan-to-value limit. The result is your maximum loan. You see each of these figures before you apply.
Which shares can I use as collateral?
Not every listed security is eligible. Eligibility depends on things like how actively a stock trades and how volatile it is. Your portfolio view shows which of your holdings qualify.
What happens if my shares fall in value?
If the value of your collateral drops too far relative to what you owe, you will receive a margin warning, and then a margin call if it continues. You can add more collateral or repay part of the loan to bring it back in line.
How do repayments work?
Repayments are collected automatically on your schedule through SureRepay. You can also make extra payments, repay part of the loan, or settle it early.
Can I get my shares back while they are out on loan to someone else?
Yes. You can recall shares you have lent. They are returned to you under the recall terms you accepted when you offered them.
Keep your shares. Unlock their value.
Open an account in a few minutes, connect your portfolio and see what you could borrow.
Representing a broker, lender or institution? Book a demo and we will walk you through the platform.