What usually qualifies?
Main-board common stock with meaningful ADV, transparent pricing, and clean transfer mechanics. ADRs of operating companies often qualify when custody is standard. Broad index constituents frequently appear on approved lists. Evergreen reference: qualifying stocks guide.
How eligibility is determined
Lenders maintain tiers and exclusion lists, update for corporate actions, and may haircut rather than ban borderline names. You provide tickers, exchanges, quantities, and restriction flags; underwriting responds with eligible subsets. Tie-in reading: rates & terms and how it works.
Key benefits when your book is “clean”
Faster reviews, higher advances (all else equal), and fewer closing surprises. Diversified large-cap books are the easiest story—not the only story.
What often fails or struggles
Pink sheets, extreme microcaps, leveraged single-name ETNs, shells, prolonged halts, and restricted stock without a pledge path. Retirement account positions are generally not interchangeable with taxable pledges.
Use cases
Executives with employer stock restrictions—executives & RSUs. Global portfolios with ADRs and foreign listings—still within our global footprint when custody works. Compare financing alternatives on stock loans if collateral is thin.
Next steps
Upload holdings to get started and browse stock loans for program context.