Access up to 80% of your publicly traded equity position in private credit — with no capital gains event, no monthly payments, and complete confidentiality.
Most concentrated equity holders face four obstacles that make accessing capital feel impossible without selling.
Selling a M+ position can trigger 50,000 or more in capital gains tax — instantly. You have spent years building this position. The moment you sell, a significant portion disappears to the government before you can deploy a single dollar.
If you are an executive or insider, every share you sell triggers a public filing. Analysts read it. Algorithms flag it. Short sellers act on it. A personal financial decision becomes a market event — affecting the very company you lead.
Standard margin loans cap at 35% LTV, use dual price-and-volume triggers, require ongoing payments, and come with full personal recourse. One volatile quarter and you face a forced liquidation at the worst possible moment.
You have a deal in front of you — real estate, a business acquisition, a new venture. But your capital is locked in equity you believe in long-term. Without an alternative, you either sell at a cost or miss the opportunity entirely.
A bespoke process designed for discretion, speed, and the sophisticated needs of executives and concentrated equity holders.
Submit a brief overview of your publicly traded equity position — ticker, approximate value, and your liquidity objective. No account transfers. No credit check. Completely confidential from the first conversation.
Our specialist reviews your position and returns with a bespoke loan structure — advance rate, term options, and interest design — tailored to your objectives and jurisdiction. Typically within one business day.
Documents are signed. Funds are wired. Your shares remain in custody with world-class institutional custodians. The market sees nothing. You hold your position and your capital — simultaneously.
On a M concentrated position, here is how the numbers compare over time. This is why sophisticated equity holders borrow instead of sell.
Illustrative example only. Assumes 10% annual appreciation on retained position. Actual tax rates, loan costs, and returns vary by jurisdiction, position, and market conditions. This is not financial advice — consult your tax and financial advisors before making any decisions.
| Feature | Spark Financial Group / O+C Private Credit | Market Standard |
|---|---|---|
| Loan-to-Value | ✦Up to 80% on a single position | Typically 35% on single equity |
| Term Length | ✦Up to 10 years with extension options | 2 years or less — fixed cycles restrict planning |
| Interest Payments | ✦Zero during term — single Balloon payment at maturity | Ongoing payments reduce your liquidity |
| Margin Call Triggers | ✦Single price trigger only | Dual price and volume triggers |
| Cure Period | ✦Up to 3× longer than standard settlement | Daily settlement — forced liquidation risk |
| Personal Recourse | ✦Non-recourse — pledged shares only | Full recourse, personal guarantees common |
| Capital Gains Event | ✦No taxable event — structured as a loan | Selling your position triggers immediate tax |
| Confidentiality | ✦Private credit — no public disclosure required | Insider sales require public SEC/SEDAR filing |
| Custody | ✦World-class bulge bracket custodians internationally | Varies widely — often retail brokerage |
I needed capital to fund a real estate acquisition but I was not willing to exit my position ahead of what I believed were strong catalysts. Spark's team structured a solution in less than a week. No filings. No market signal. My position is still fully intact — and it has appreciated 30% since then.
We are collecting testimonials from clients who have experienced the impact of this structure firsthand. If you have worked with us, we would love to feature your experience — anonymously if preferred.
Meeting agenda: confirm 2–3 client testimonials from O+C's existing borrower base before launch.Unlike standard margin loans that use dual price-and-volume triggers, our structure uses a single price threshold. If your stock drops significantly, you will have a cure period up to 3× longer than standard market settlement to respond — significantly reducing the risk of forced liquidation. Your advisor will model downside scenarios with you before any documents are signed.
Yes. The structure is available internationally, including Canadian residents. Tax treatment and structure specifics are subject to your jurisdiction of residency. We strongly recommend working with your existing tax advisor to understand the implications in your specific situation before proceeding.
This facility is underwritten primarily against your securities — not your personal credit history. In most cases, no hard credit pull is required for an initial indicative quote. Your advisor will clarify the exact requirements for your specific structure before you proceed.
Generally, yes. In a standard pledge structure your shares remain in custody and you continue to receive dividends and retain voting rights. The exact terms depend on your specific structure and will be clearly outlined in your documents before signing.
Once your position details are submitted, you will receive an indicative term sheet within one business day. From there, document execution and funding typically takes 5–10 business days. The entire process is conducted confidentially and does not require any public disclosure.
The program is designed for publicly traded equity positions with a current market value of $1,000,000 or more. We work with individual positions — including concentrated single-stock holdings — in publicly listed companies on major exchanges internationally.
Fill out the short form and a member of our private credit team will contact you personally within one business day for a confidential 20-minute consultation.