Indicative advance calculator

See whether a SET- or mai-listed position reads as a lower, mid-range or higher advance, using the same factors we weigh on every enquiry. We publish no loan-to-value percentage, because loan-to-value belongs to the collateral rather than to the product. It is an illustration to build intuition — not an offer, a quote, or advice.

Illustrative / indicative only

This tool is an educational illustration. It is not an offer, a quote, or advice, and it does not create any obligation. It produces a qualitative verdict — a lower, mid-range or higher advance — never a percentage, a range, or a loan amount. Actual terms are set case-by-case after a principal reviews your specific ticker, position, and structure — typically within 2–3 business days. Consistent with the rest of this site, we publish no fixed LTV percentages; loan-to-value belongs to the collateral rather than to the product, so it can only be confirmed once the actual holding has been reviewed.

Sector / profile

Approximate position value (THB)

Liquidity / free float

Volatility

Position vs. daily volume

Preferred tenor

Recourse preference

Runs entirely in your browser · nothing is sent, stored, or logged.

How this works — the method, in the open

We keep the heuristic transparent so you can see exactly what it does. The tool weighs the drivers we describe across the site — the same ones set out in how much you can borrow against Thai shares — and reports where they land: a lower, mid-range or higher advance. What it deliberately does not do is turn that into a percentage or a loan amount. Loan-to-value is a property of the collateral, not of the product: it belongs to a specific ticker, a specific float and a specific day, so it can only be confirmed once the actual holding has been reviewed.

What moves the verdict, and in which direction
Driver	Toward a higher advance	Toward a lower advance
Sector / profile	Banks, regulated utilities	Commodity energy, small developers
Liquidity (ADTV) & free float	Deep, well-distributed	Thin, tightly held
Volatility	Steady price history	Large, frequent swings
Position vs. daily volume	Small relative to ADTV	Many days of volume
Tenor	Shorter	Longer
Recourse	Some / full recourse	Non-recourse

The verdict is deliberately coarse. When the drivers point in different directions, or the position is very large or thinly traded, the honest answer is a direction rather than a figure, and the tool says so rather than inventing precision. A conservative reading is intentional: a more prudent advance widens the buffer before any margin top-up is required, which protects the borrower. This is a rule of thumb for building intuition, not a model of any specific lender's book, and it stops deliberately short of implying how much could be advanced.

Frequently asked questions

01Is this calculator a quote?

No. It is an illustrative educational tool, not an offer, quote, or advice. It gives a qualitative verdict from a transparent rule of thumb, not a decision. Nothing here is binding, and an actual loan-to-value is issued only after a principal reviews your specific ticker, position size, and structure — typically within two to three business days.

02How is the verdict reached?

The tool weighs the same factors we describe across the site — sector, liquidity, volatility, free float, position size relative to daily volume, tenor, and recourse — and reports whether they land toward a lower, mid-range or higher advance. Deeper liquidity, steadier volatility, a wider float, a smaller position, a shorter tenor and some recourse push the verdict up; thin liquidity, sharp volatility, a tight float, a large position, a longer tenor and no recourse pull it down. It never returns a percentage, a range, or a loan amount, and it runs entirely in your browser.

03Why does my sector matter?

Sector is the fastest read on the two things that matter most: liquidity and volatility. A deeply-traded, steady large-cap bank tends to support a higher advance than a commodity-exposed refiner or a thinly-traded small-cap developer. But sector only frames the starting point — it never sets the terms. The specific ticker, its trading depth, and how large your position is relative to normal volume decide where a position actually lands. This is set out in full in SET sector LTV.

04Why is no LTV percentage shown?

Because loan-to-value follows the collateral, not the product. It belongs to a specific ticker, a specific free float and a specific day, so a percentage published in advance would be wrong for most positions and would read as a term we had not agreed. We therefore publish no fixed LTV percentages by sector or stock, and this tool prints none — no ratio, no range, and no loan amount. The honest unit is a direction, and the real number waits for a review of the actual holding.

05Does the tool collect or send my information?

No. The calculator runs entirely in your browser with no network calls, no cookies set by the tool, and no data collection or storage. Your inputs never leave your device. When you are ready for an indicative figure on your actual position, you can share it in confidence through the contact page.

This calculator is general information about how share-backed financing is sized in Thailand and is not legal, tax, or financial advice. The verdict is illustrative and indicative only, not an offer, and it depends entirely on the specific security, position, structure, and prevailing market conditions. No loan-to-value percentage, range, or loan amount is published here; loan-to-value follows the collateral and is confirmed only after a review of the actual holding. Obtain advice from qualified Thai counsel and a financial adviser before acting. See our disclosures and editorial standards.

The tool is a sketch. Your ticker is the number.

Share your SET- or mai-listed holding in confidence and a senior principal will review it and come back with indicative terms — usually within 2–3 business days.

Request a Confidential Quote