We are Margin Stock Loans Specialists
Origins
We provide liquidity to shareholders of listed equities and offer an investment opportunity to accredited investors and institutions to invest in fully secured stock loans.
Having experienced both financial crisis in 1998 and 2008, founder of Charismatic Capital Ltd and a former private banker, Lam Ching Ching detected a niche opportunity. Hence, in 2014, she assembled a team and started originating and executing loans secured against globally listed equities and discounted block trades.
Milestones
- 02/2019 - First Irish Fund was approved by Central Bank of Ireland as Private Debt Fund with target size of USD250m.
- 09/2019 - Fund was launched and loans executed with investments from investors comprising ultra high net worth individuals and Family Offices.
- 01/2020 - Hard capital commitment from investors rose to USD 600m.
- 03/2021 - Due to strong demand from Asian investors and Singapore’s good judicial system and benefits, being the Founder, Ms Lam decided to establish another similar fund - Charismatic Debt Equity Fund.
- 07/2021 - As at end June 2022, performance was +13.33% (annualized).
- 12/2023 - As at end Dec 2023, performance was +14.65% (annualized).
- 05/2024 - Ms Lam set up Charismatic Private Credit Fund to facilitate huge sized stock loans and block trades secured against premium quality listed shares.
- 06/2024 - As at end June 2024, performance was +11.9% (annualized).
- 12/2024 - As at end Dec 2024, performance was +11.95% (annualized).
- 01/2025 - Charismatic Debt Equity Fund announced that it has taken a majority stake in a listed company on the Indonesian Stock Exchange (IDX) and turn the company around to run it..
- 06/2025 - As at end Jun 2025, performance was +12.17% (annualized).
- 07/25 - Charismatic Private Credit Fund participated in various IPOs on the Hong Kong Stock Exchange, acquiring IPO shares for premium A-list companies such as Anjoy Foods.
- - It invested in several discounted HK block trades
- 10/2025 - set up Charismatic Debt Equity Fund II in anticipation of new anchor institutional investors
- 12/2025 - As at end Dec 2025, perfomance was +13.20% (annualized).
- - Charismatic Debt Equity Fund has hard closed and does not accept any more new subscription
Our Competitive Advantage
Private lenders in Asia in this financing space are small and fragmented as majority are brokers and non-licensed and non-regulated private companies. As they have either meagre capital or limited balance sheet, they could only offer the Sale and Repurchase lending model which entails change of share ownership. Hence, they do not appeal to the borrowers in general.
As borrowers are typically majority shareholders or founders of listed companies, they prefer not the transfer their share ownership to the lender for the following reasons:
- Reduction of the burden of having to report consecutive sell and buy back transactions to the stock exchange for short term loan facilities.
- Retention of voting rights and dividend payouts.
Therefore, borrowers are willing to pay a premium to enjoy the above stated benefits.
As borrowers turn to margin loan borrowing (without the transfer of share ownership), Charismatic differentiates itself strongly from the competition, being both regulated and with strong balance sheet.
Henceforth, it will be able to sustain its double digit loan pricing using the financing business model that is in demand.
As a licensed and regulated fund in Singapore, Charismatic is also able to work with major investment banks with international presence around the world. This also allows Charismatic to offer borrowers another form of borrowing tied in with cooperation with investment banks.
Charismatic can secure equity derivatives with investment banks to offer to borrowers a collar structure. In a collar structure, borrowers need not cover margin calls and continue to enjoy high leverage and lower single-digit interest rates. At the same time, borrowers might not need to transfer share ownership. At the end of the loan period, there is no penalty if the borrower decides to not repay the loan. Depending on the performance of the underlying share collateral, Charismatic may be able to give cash back to the borrower, even if the borrower does not repay the loan.
Many borrowers look out for high leverage with lower interest rates. Charismatic offers this as a licensed and regulated entity, providing a flexible loan structure which allows borrowers flexibility in structuring their cashflow requirements.
News about us
The Edge Singapore
Former Banker founded Charismatic Capital to offer stock loan financing to underserved companies.