Nigerian investors can now access cash without liquidating quality shares, thanks to a new secured overdraft facility from VBank and Anchoria Securities Limited.
For many Nigerians, urgent financial needs have often forced investors to sell shares at a loss just to cover emergencies. Beyond the cost of missed future gains, accessing traditional secured loans has also historically been slow and discouraging, leaving investors in a bind.
VBank and Anchoria Securities Limited are now addressing this challenge with the launch of the Shares-Backed Loan, a facility designed to provide fast, secure, and investor-friendly liquidity without compromising long-term investments.
“This product meets customers where they are invested in quality shares but in need of swift liquidity,” said Yonodu Okeugo, VBank General Manager, Business Banking and Partnerships. “As a CBN-licensed digital bank, we have built a lending product that is not only fast but also realistic.”
What You Should Know
The bank says the Shares-Backed Loan allows eligible Anchoria clients holding Nigerian Exchange Group (NGX) A-list shares to access overdrafts of up to ₦60 million for individuals and ₦300 million for corporate clients, with tenors of up to six months.
Interest is charged at 30% per annum, with a 1% processing fee, and borrowers are charged only on the amount actually drawn. The bank noted that the facility is secured by a lien on eligible shares, featuring a margin call and stop-loss trigger at 140% to safeguard both the bank and the customer.
Clients generally have 24 to 48 hours to respond to margin calls, creating a fair but disciplined system for managing risk.
To enhance flexibility, the bank says customers may apply cash dividends towards monthly interest payments, while repayments follow a monthly interest with balloon principal structure, allowing predictability alongside liquidity.
What This Means
What sets the Shares-Backed Loan apart is its seamless design. By leveraging VBank’s digital infrastructure alongside Anchoria’s brokerage capabilities, the loan process is fully API-driven.
Funds are disbursed directly to a VBank wallet once collateral is verified, while Anchoria manages any required liquidation in stress scenarios.
The team says the integration ensures a smooth customer experience backed by strong risk controls, combining speed, security, and investor protection.
Folagbade Adeyemi, Managing Director of Anchoria Securities Limited, highlighted the partnership’s brokerage advantage.
“Anchoria brings decades of brokerage experience to this partnership,” Folagbade said. “We provide the infrastructure to manage liens, dividends, and collateral efficiently, ensuring that customers remain invested while accessing the funds they need.”
Eligibility and Access
According to both parties, the facility is currently exclusive to Anchoria clients holding Tier 1 shares listed on the Nigerian Exchange Group (NGX).
Eligible clients can initiate applications through their Anchoria relationship managers, with full KYC/AML checks and credit assessments required before disbursement.
Experts say the launch of the Shares-Backed Loan reflects a broader trend in financial services: making banking simpler, faster, and aligned with modern investment behaviours. For investors, it offers a smarter alternative to liquidating shares, enabling access to cash without sacrificing long-term growth.
In a market where speed and flexibility can determine financial outcomes, analysts say VBank and Anchoria’s collaboration delivers a tool that balances instant liquidity, structured risk management, and seamless digital experience.
Talking Points
It is impressive that VBank and Anchoria Securities have launched the Shares-Backed Loan, addressing a major barrier many Nigerian investors face, which is accessing urgent liquidity without having to sell quality shares.
This single feature alone positions the facility as a practical solution for real investment challenges, especially for individual and corporate clients holding NGX-listed Tier 1 shares.
At Techparley, we see how tools like this can accelerate financial empowerment, providing investors with flexibility and control while keeping their long-term investments intact.
The integration of VBank’s digital infrastructure with Anchoria’s brokerage expertise means clients enjoy fast, API-driven loan origination, seamless collateral management, and disciplined risk controls, creating a smooth and secure lending experience.
With the right strategic support, the facility has the potential to become a benchmark in investor-centric digital lending, combining speed, security, and modern banking convenience.
