Illiquid Estate
Paper rich, cash poor? Get a loan against your illiquid assets
Strategies for people who are paper rich but cash poor to responsibly leverage illiquid assets — concentrated or restricted stock, private company equity, art and collectibles, real estate equity, life insurance policies, structured settlements and royalties — into usable cash, plus a connection to an advanced-liquidity professional. Educational only — not investment, legal or tax advice.
About Illiquid Estate
Strategies for people who are paper rich but cash poor to responsibly leverage illiquid assets — concentrated or restricted stock, private company equity, art and collectibles, real estate equity, life insurance policies, structured settlements and royalties — into usable cash, plus a connection to an advanced-liquidity professional. Educational only — not investment, legal or tax advice.
Part of Jeff Cline's R0cketShip proprietary network. Visit illiquidestate.com to learn more or connect with liquidity advisors.
Illiquid Estate — frequently asked questions
What does "illiquid assets" mean?+
Illiquid assets are things of real value that can't easily or quickly be converted to cash — private company stock, restricted shares, art and collectibles, real estate equity, and similar holdings.
How can I borrow against assets I can't easily sell?+
Depending on the asset, options include securities-based lines of credit, restricted or pre-IPO stock loans, art- and collectibles-backed loans, real estate equity bridge loans, and monetizing structured settlements, annuities, life insurance policies or royalty streams. A liquidity advisor can explain which fit your situation.
What is a securities-based line of credit, and what's the risk?+
It's a loan secured by an investment portfolio instead of selling it. The main risk is a margin call or forced sale of the collateral if the portfolio's value drops — ask a licensed advisor to explain this in detail before borrowing.
Can I borrow against private company stock I own?+
Sometimes, though options are more limited than for public stock since there's no public market to set a price — a specialist can walk through what's realistic for your specific holding.
What is a life settlement?+
A life settlement is the sale of an existing life insurance policy to a third party for a lump sum, generally worth more than the cash surrender value but less than the death benefit. It's a regulated transaction that varies by state.
What is a structured settlement buyout?+
It's selling some or all of your future structured settlement payments for a lump sum today. These transfers are regulated, often require court approval, and are generally irreversible — a licensed professional can explain the process in your state.
How do advisors receive referrals through this site?+
Advisors can list for free, or sponsor a ZIP code, 10 ZIP codes, or an entire state so asset holders in that area who ask for help are connected to them.
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