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Securities-Based Lending (SBL)

At Amalan Credit Corporation Sdn Bhd, our Securities-Based Lending solution empowers clients with flexible access to liquidity while preserving their investment portfolios.

Our Securities Based Lending (SBL)

Flexible financial solutions designed to empower your growth and preserve your investments.

Securities Based Lending (SBL)

What is securities-based lending?
A securities-based lending is a flexible way to strategically access liquidity. Whether you are looking to fund for your business expansion, projects, new purchase, renovate your home, or take advantage of a timely investment opportunity, using a line of credit allows you to remain invested and keep your investment portfolio intact.

We know liquidity needs may arise, whether planned or unexpected. With a securities-based lending, you’ll have ready access to capital without having to liquidate your investments or shares. You can use your marketable securities, such as stocks, bonds, shares and mutual funds, as collateral. And of course, we’ll consider how it all fits into your overall wealth plan, balancing your short-term or long term needs with long-term goals to create the right approach for you.

The Securities Commission Malaysia and Bursa Malaysia regulates SBL in Malaysia.

SBL has been acknowledged by many markets as one of the important market component to improve market liquidity, price discovery, facilitating hedging and risk management activities. SBL is conducted through negotiated transactions in the over-the-counter market.

Securities-Based Lending allows borrowers to use their non-retirement investment portfolio (such as stocks, bonds, and mutual funds) as collateral for a line of credit or a loan, without having to sell the assets and trigger potential capital gains taxes.

Benefits of SBL
  • Keep your investment plan and asset allocation in place without disrupting your long-term strategy.
  • Financial flexibility: Quickly access liquidity for a range of uses—whether you’re meeting large financial obligations or capitalizing on an opportunity.
  • Cost-effective: There are no setup fees, interest charges apply only to the funds you use, often at rates lower than other financing options.

As with all investment decisions, it’s important to understand the risks of borrowing before proceeding. Let's say market fluctuations that may reduce the value of your pledged securities, could lead to a margin call.

Amalan Credit Corporation Sdn Bhd. are here to help you make the best decisions for your needs, both today and in the future.

How Securities-Backed Lending Can Support You
Unlock Capital
  • Ready Access to Capital: Achieve your lifestyle aspirations, without compromising your long-term investment goals.
  • Timely access to liquidity: Funds can be raised quickly to support your specific needs.
Diversify Investment Growth
  • Manage and Diversify Risk: Offset risks within your portfolio to address long and short term concerns or increase diversification.
  • Build your wealth: Make your money work harder by borrowing to support an existing investment strategy – to help you effectively grow and preserve your wealth.