A shareholder is most commonly a person, company or organisation that holds a share within a company. 

A person that own more than 25% of a shareholding or voting rights are considered a person with significant control and this usually has to be declared upon requesting any commercial loan application. 

When it comes to bridging, lenders may require you to submit a personal guarantee if you are a director or a shareholder of the company wanting to borrow money. The shareholder generally has to hold at least 20% of the shares to submit a personal guarantee.


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