Eligible stocks are determined by each participating lender. Lenders configure the stocks they accept and the approved loan-to-value (LTV) ratio for each ticker. Collata matches your portfolio against active lender criteria to display the shares that qualify.

Within 24 hours after approval. Once your stock pledge is confirmed at CSCS and the lender formally approves your application, proceeds are disbursed to your verified commercial bank account or Collata wallet.

No. Your shares remain registered under your Clearing House Number (CHN) in your name at CSCS. You continue to receive cash dividends and bonus share issues, and retain exposure to future stock-price growth.

Your limit depends on the lender’s LTV ratio for your specific equities, typically between 40% and 70% of live market value. For example, ₦10,000,000 of eligible shares at 60% LTV may support borrowing of up to ₦6,000,000.

Collata continuously tracks live NGX prices. In the healthy range below 75% LTV, your facility operates normally. Around 75%–80% LTV, you receive alerts and a cure window, typically 24–48 trading hours, to add eligible shares or make a partial repayment. At the contractual liquidation threshold, typically 85% LTV, only the shares required to settle the outstanding balance are sold and any surplus is refunded.

Repayments can be made by direct transfer to the virtual account generated in Collata or by Direct Debit configured within Collata.

Yes. Collata offers an earmarked IPO facility that allows eligible investors to pledge existing equities to finance new IPO allotments. Approved funds are routed directly from the lender to the receiving custodian bank, with the applicable allotment form and KYC/CHN details prepared through the platform.