How to unlock cash from investments without selling

You convert liquidity optionality into cash by encumbering portfolio assets. Dividends, voting, and substitution rules follow your agreement. Tax questions belong with advisors—pair reading with best way to access cash and guide version (not tax advice).

Quantify need, horizon, and currency. Inventory eligible collateral. Compare three credible structures: margin/SBLOC/specialty—use stock loans for program details. Involve counsel on security documents. Close via documented process.

Potential to avoid a sale you consider poorly timed. Speed versus block sales in less liquid names. Global execution when custody cooperates across venues.

Interest, calls, enforcement. Mental accounting error—treating pledged shares as fully available for other goals. Read risks and compare to selling on stock loans.

Owners — business owners. Real estate — real estate investors. Executives — executives & RSUs.

Start at stock loans, then get started with statements.