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Middle East & Africa Stock Loans FRA EGP

Egypt Stock Loans against EGX shares

A stock loan against shares you hold on Egypt’s principal equity venue — for family offices, founders and controlling shareholders, without selling a single share.

01 · Process
How it works

From enquiry to funding.

—StageWhat happensTiming
01Confidential enquiryThe holding and the objective, shared under NDA through a secure channel.Day one
02Indicative termsStructure, sizing and indicative pricing returned against the position.1–2 days
03Structuring & documentationKYC, share and market review; terms formalised under institutional documentation alongside your counsel.1–2 weeks
04Custody & fundingPledged shares held at a qualified custodian; collateral secured and proceeds released.On completion
02 · The Market
Middle East & Africa

Egypt equity markets.

An Egypt stock loan lets a founder, family holding company or controlling shareholder raise cash against a position listed on the Egyptian Exchange without selling it, without giving up voting control, and while remaining the beneficial owner until the facility is repaid. Unlike a pegged market, the Egyptian pound floats against the US dollar, so a USD or EUR drawdown against an EGP-listed line carries genuine currency exposure — which Black Haven sets out and hedges expressly rather than leaving it on the borrower.

What shapes an Egyptian facility is the disclosure regime and the concentration of the register. Under the Capital Market Law No. 95 of 1992 and its Executive Regulations, a direct or indirect interest reaching 5% of a listed company’s shares — and each multiple of it — is disclosable to the Financial Regulatory Authority and EGX, generally before trading opens the following day, with a further investment-plan disclosure once holdings reach 25%. The pledge is sequenced around those triggers. Liquidity rarely binds on EGX 30 banking and industrial large-caps; it weighs more heavily on EGX 70 mid-caps, NILEX names and thin small-caps. Shares settle T+2 through Egypt’s central clearing depository, which governs when the pledge is perfected and the loan drawn.

Egypt stock loans at a glance:

Listed venueEgyptian Exchange (EGX)
RegulatorFinancial Regulatory Authority (FRA)
CurrencyEGP
SettlementT+2
Disclosure threshold5%
Principal indicesEGX 30, EGX 70
StructureNon-recourse, limited- or full-recourse

Regulatory references are published for general orientation and are not legal advice.

03 · Exchanges
One Venue

Each Egypt exchange, covered.

EGX · Cairo

Egyptian Exchange

Among the oldest exchanges in the Middle East and Africa, with origins in the 1880s. The principal North African venue, with active large-cap banking and industrial liquidity.

View EGX →
04 · FAQ
Egypt · Stock Loans

What holders ask about Egypt.

01Does a share pledge in Egypt have to be disclosed to the regulator?
It can. Under the Capital Market Law No. 95 of 1992, a direct or indirect interest of 5% or more of a listed company’s shares, and each subsequent multiple, is notifiable to the Financial Regulatory Authority and EGX — generally before the start of trading on the next day. A security interest can itself count. Black Haven maps the exact notification and timing to your holding, then sequences the pledge around it.
02Can I borrow in US dollars against Egyptian-listed shares?
Yes, but the mechanics differ from a pegged market. The Egyptian pound floats against the US dollar, so a USD or EUR facility drawn against an EGP-listed line carries real residual currency risk rather than a managed band. Black Haven addresses that directly — the hedging, settlement and repatriation points are set out expressly in the documentation, not left with the borrower.
03How much can I borrow against Egypt-listed shares?
The loan-to-value is set to your holding — its free float, daily traded volume, volatility, and your own regulatory standing. A large-cap with deep free float supports a higher LTV than a thin mid-cap, and a non-recourse structure runs lower than a full-recourse one on the same stock. We quote indicative ratios only after reviewing the position.
04Which Egypt exchanges can I borrow against?
We cover Egyptian Exchange (EGX). Financing is arranged against shares listed there; which venue applies depends on the issuer’s primary listing and how the holding trades.
05What currency can the facility be drawn in?
The default is EGP, the listing currency. Cross-currency structures — drawing a USD or EUR loan against the position — are common, and bring hedging, settlement and tax points we set out expressly in the documentation.
06Who regulates these transactions in Egypt?
Financial Regulatory Authority (FRA) is the principal regulator. Black Haven Investments lends as principal; lending and any regulated activity are conducted by, or through, appropriately licensed or registered entities in the relevant jurisdiction.
07What is the settlement cycle on Egypt exchanges?
Equities listed on Egyptian Exchange (EGX) generally settle on T+2. The settlement cycle governs when the pledge over the shares is perfected and the loan can be drawn, so we align the funding mechanics to it.
08At what level does a shareholding become disclosable in Egypt?
The principal threshold is 5%, under Disclosure of major holdings under the Capital Market Law No. 95 of 1992 and its Executive Regulations overseen by FRA. Crossing it — in either direction — triggers a notification, and a pledge can itself be relevant; we map the exact levels to your holding before anything is executed.
09Can a foreign or offshore holder pledge Egypt-listed shares?
Generally yes. The shares sit with a qualified custodian and are pledged to secure the facility; any foreign-ownership limits or registration requirements turn on the issuer and sector, and we check them against your specific line at the structuring stage.
10How long does it take to arrange a stock loan in Egypt?
Indicative terms typically follow within one to two business days of a confidential enquiry. Documentation and funding usually complete within about three weeks, depending on custody onboarding and the size of the position.
05 · Adjacent Markets
Middle East & Africa

Countries adjacent to Egypt.

Saudi Arabia · United Arab Emirates · Israel · South Africa · Qatar · Kuwait · Nigeria

All countries →

Guides

Related guides.

Fundamentals

How Much Can You Borrow Against Your Shares?

There is no flat figure. The advance against listed shares is set to the specific holding, driven by liquidity, volatility, concentration, your regulatory standing and the recourse profile you choose.

Read → Risk

What Happens If Your Stock Falls During a Loan?

If your pledged shares fall in value during a loan, what happens depends entirely on the structure you agreed at the outset — recourse facilities can call for a top-up, non-recourse facilities cannot.

Read → Process

How to Get a Stock Loan: The Process, Step by Step

Getting a stock loan runs through five disciplined stages: a confidential enquiry, indicative terms, documentation, custody and pledge, then funding under a single accountable principal.

Read →

A particular Egypt holding to talk through?

Send a confidential enquiry, and a senior principal will reply within one business day.

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