Use your public stock holding or crypto asset as collateral for a secured loan
Contact UsUnlock Funds Hassle-Free: Your Path to Financial Freedom
No Credit Checks
Say goodbye to credit score worries!
Our loans are not reported to credit bureaus, preserving your debt-to-income ratio.
Simple Qualifications:
Approval is based on your stock or crypto positions, not credit scores or income.
Fast Approvals:
Get the funds you need within days, providing you with financial agility.
Complete Asset Return:
When your loan is fulfilled, rest assured knowing that the full number of shares or crypto assets will be returned to you, ensuring your peace of mind.
Retain Value Upside:
Value Proposition
Versatility
More Value
Competitive Pricing
Efficiency
Security
Overview of the Capital Bloom Process
Origination
The portfolio management and origination team identies a liquidity oppurtunity and establish a partnership with the issuer or asset owner.
AGREEMENT & FUNDING
A loan gets issued to the asset owner while the financial assets are as pledged in collateral in order to establish a long position in the lender’s portfolio.
The asset owner receives favorable, fixed loan terms in exchange. Interest rates typically range between 3 – 4% and LTV ratios typically range between 60% – 70%.
FINANCING & COLLATERAL RETURN
At the outset of the loan, title is obtained, and custody of the collateral.
When the loan is repaid, all collateralized assets are returned to the borrower. The asset owner retains 100% of the investment upside.
Case Studies
Case Study 1
C$6,22M Equity-based collateralized loan at 3.75% fixed rate for 2 years term
Borrower, H. P., was a major shareholder of a Canadian Securities Exchange (“CSE”) listed publicly trading company and was in need of a quick capital refinancing for personal investment purposes. Although H.P. held more than C$8.00M (7.00M shares) in freely trading shares of the public company, he did not wish to sell the shares and has the intention to hold them for long term. Through the arrangement by Capital Bloom, H.P. pledged his 7.00M shares of the public company and obtained a $6.22M fixed term loan for 2 years at a rate of 3.75% based on a loan to value of 63%. At the time of loan initiation, ownership of the pledged shares was transferred to the lender for the 2 years period in exchange for funding. At maturity, H.P. repaid the full principal of $6.22M to the lender and receives back the full 7.00M shares, locking in the additional profits generated by the share appreciation.
Case Study 2
C$400,000 Equity-based collateralized loan at 3.50% fixed rate for 3 years term
Borrower, D.T. was a shareholder of a TSX Venture Exchange (“TSX-V”) listed publicly trading company and was in need for liquidity for personal reasons. At the time of the loan, share price of the public company was trading at approximately $7.00 a share and D.T. had held close to 4.00M shares under his name. With a strong believe on the upside of the company, D.T. has elected that obtaining liquidity through the sell of his position would not be ideal. As a result, D.T. engaged Capital Bloom to pledged a small portion of his shares to obtain a $400,000 fixed loan for 3 years at a rate of 3.50%. By maturity, D.T. returned the principal of the loan to the lenders and received back 100% of his pledged shares.
Case Study 1
C$6,22M Equity-based collateralized loan at 3.75% fixed rate for 2 years term
Borrower, H. P., was a major shareholder of a Canadian Securities Exchange (“CSE”) listed publicly trading company and was in need of a quick capital refinancing for personal investment purposes. Although H.P. held more than C$8.00M (7.00M shares) in freely trading shares of the public company, he did not wish to sell the shares and has the intention to hold them for long term. Through the arrangement by Capital Bloom, H.P. pledged his 7.00M shares of the public company and obtained a $6.22M fixed term loan for 2 years at a rate of 3.75% based on a loan to value of 63%. At the time of loan initiation, ownership of the pledged shares was transferred to the lender for the 2 years period in exchange for funding. At maturity, H.P. repaid the full principal of $6.22M to the lender and receives back the full 7.00M shares, locking in the additional profits generated by the share appreciation.
Case Study 2
C$400,000 Equity-based collateralized loan at 3.50% fixed rate for 3 years term
Borrower, D.T. was a shareholder of a TSX Venture Exchange (“TSX-V”) listed publicly trading company and was in need for liquidity for personal reasons. At the time of the loan, share price of the public company was trading at approximately $7.00 a share and D.T. had held close to 4.00M shares under his name. With a strong believe on the upside of the company, D.T. has elected that obtaining liquidity through the sell of his position would not be ideal. As a result, D.T. engaged Capital Bloom to pledged a small portion of his shares to obtain a $400,000 fixed loan for 3 years at a rate of 3.50%. By maturity, D.T. returned the principal of the loan to the lenders and received back 100% of his pledged shares.
Meet Our Team
Sam Perera (MBA, CAIA, CF, MBI)
Principal
Sam is the founder of Capital Bloom and has extensive knowledge in a variety of industries including real–estate, manufacturing, mining, lumber, agriculture, technology, services industries, and consumer products. Before founding Capital Bloom, Sam held senior finance roles at HSBC Bank Canada, BMO Bank of Montreal, and Noverra Capital Partners. Deal experience includes mergers & acquisitions financing, and cash-flow lending.
Michael Seisdedos
Director
Michael has over 15 years of combined experience in corporate finance, and real-estate. With the experience and knowledge of various loan products prior to joining Capital Bloom, he works directly with clients to ensure they are getting the best possible outcome for their financial needs.
Kai Chan (CBCA, CREF)
Director of Research
Kai has over 10 years of experience in the fields of investment banking, corporate finance, and asset management (North American equities), he has developed extensive knowledge in industries including mining, real estate, technology, CPG, and agriculture. Prior to joining Capital Bloom, he held the position of Senior Portfolio Analyst at Amur Financial and worked as an Associate at Adaptable Investments. He is currently a Level III candidate in the CFA program and a Level II candidate in the CAIA program.