REAL ESTATE INVESTOR FINANCING
Securities-Backed Financing Guide
How stock and crypto collateral works, up to ~75% LTV on unrestricted shares, and the market-risk tradeoff.
What It Is
Investors holding qualifying publicly traded securities or qualifying established cryptocurrency may pledge those assets as collateral and access cash without first liquidating the position. Collateral eligibility depends on the specific asset, liquidity, trading volume, volatility, restriction status, custody, asset concentration, and collateral value.
What Problem It Solves
An investor has a qualifying investment position and wants liquidity for a real-estate down payment, closing costs, rehab, or bridge capital — without selling the position and triggering a taxable event or losing market exposure.
When It's Commonly Used
Down payments, closing costs, rehab, bridge capital, seller-finance down payments, construction equity contributions, rental-property acquisition, portfolio expansion, and business-acquisition capital related to real estate — wherever the investor prefers to borrow against a position rather than sell it.
Stock-Backed Baseline
Stock-backed structures may offer up to approximately 75% LTV on qualifying unrestricted publicly traded shares; approximately 30%–50% LTV may apply to certain restricted or insider positions. Potential loan amounts range from approximately $50K to $500M+ depending on collateral and program. Common terms are 3, 5, 7, or 10 years. No traditional FICO underwriting on applicable collateral-based structures. Typical funding is approximately 5–10 business days after qualifying collateral clears review.
Crypto-Backed Baseline
For qualifying crypto-backed structures, potential maximum LTV may be up to approximately 75%, with actual LTV depending on the asset, liquidity, volatility, trading history, custody, and program. Potential loan size ranges from approximately $50K to very large institutional amounts. No traditional FICO check on applicable collateral-only programs; common terms may include 3, 5, 7, or 10 years.
Not Every Crypto Asset Qualifies
Eligibility depends on the specific asset, liquidity, trading volume, volatility, trading history, restriction status, custody requirements, and asset concentration. A specific cryptocurrency is not guaranteed to qualify — do not assume any cryptocurrency qualifies as collateral.
The Market-Risk Tradeoff
If collateral value declines substantially, additional collateral may be required or pledged assets may be liquidated according to the financing agreement. Borrowing against a position does not eliminate market risk; the borrower remains exposed to the underlying asset's value. This is not tax advice and borrowing does not guarantee avoidance of every possible tax consequence.
When to Use a Different Product
If the need is unsecured capital without pledging collateral, unsecured term-loan stacking or 0% credit card stacking fits. If the gap is a B-C down payment in a double close, Echo is the route. If the core requirement (contract, spread, seller carry, or funded end buyer) is missing, a different product — or a restructured transaction — is usually a better fit than forcing the structure.
How Green Fire Structures It
Green Fire reviews the qualifying position, asset eligibility, LTV, custody, and concentration, then determines whether a securities-backed structure fits the capital need and sizes the advance to the collateral.
Frequently Asked Questions
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Read GuideEducational content only. Guides describe how financing structures generally work and are not approvals, commitments, or guarantees of terms. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by provider, property, location, borrower qualifications, documentation, and deal structure. All financing is subject to independent provider review, underwriting, and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.
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