The calculator is deliberately simple and fully disclosed, so you can see exactly what it does. It starts from a broad, illustrative indicative band for concentrated single-name Bursa Malaysia equity, then adjusts within that band using the drivers this site names in what sets the LTV on a Bursa share: liquidity and free float, volatility, concentration relative to float and daily volume, sector and event risk, recourse, and position size. It does not invent a precise rate.
- Starting band. An illustrative mid-band is the anchor. This is a generic educational starting point for concentrated equity collateral, not a rate this firm publishes or commits to.
- Liquidity & free float. Deep, liquid, wide-float counters push toward the higher end; thin turnover and a tight float pull toward the lower end, because the collateral is harder to realise without moving the price.
- Volatility. Higher volatility needs a wider buffer, so it pulls the range down; a stable, defensive counter supports a higher end at the same comfort.
- Concentration. A holding worth many days of trading volume is sized more conservatively than one that could be absorbed in an afternoon.
- Sector. Sector is shorthand for a counter's typical liquidity, volatility, and event profile, and nudges the starting point accordingly.
- Recourse. A non-recourse preference removes the lender's claim beyond the collateral, which argues for a more conservative advance; full recourse can support a little more headroom.
- Size. Very large positions are read with more care relative to float and volume, so scale is a mild downward factor at the extremes.
The output is always a range, always labelled illustrative, and never a single number dressed up as a quote. The genuine indicative LTV is an output of reading your specific counter and holding — something a senior principal does after a confidential enquiry, not something a web form can settle. Use this to build intuition; then share the counter for a real, reviewed figure.