Lending
Liquidity, without selling what you own.
Credit secured against portfolios and premium assets, so that capital keeps compounding, tax is not triggered, and opportunities are met when they arise.
The idea
The most expensive liquidity is a good asset sold too soon.
Selling an investment to raise cash can be the costliest decision a family makes: it crystallises tax, interrupts compounding and often means parting with an asset at the wrong moment. Borrowing against that asset, when done prudently, avoids all three.
We arrange lending secured against investment portfolios, property and premium assets. Used carefully, credit is not a burden but a tool, one that keeps a long-term strategy intact while meeting a short-term need.
How clients use it
Credit in the service of a plan.
Efficiency
Bridge a tax bill, a capital call or a purchase without disturbing a carefully built portfolio.
Opportunity
Act quickly on an investment or acquisition while longer-term assets remain in place.
Diversified funding
Introduce a considered layer of leverage that can enhance returns when used within prudent limits.
Illustrative loan-to-value
Borrowing calibrated to the collateral.
How much can be borrowed depends on the quality and liquidity of the asset securing the facility. Diversified, liquid portfolios support higher advance rates; concentrated or illiquid assets support less. The ranges below are illustrative.
Illustrative only. Actual advance rates depend on the specific assets, currencies and terms, and are set case by case.
How a facility is arranged
Straightforward, and quick where it needs to be.
Purpose
We understand the need, the timescale and how the facility fits your wider plan.
Structure
We propose the collateral, advance rate, currency and terms best suited to your circumstances.
Documentation
We arrange the facility with an established lending counterparty and complete the paperwork.
Drawdown
Funds are made available, and we monitor the facility against your portfolio over its life.
Managed responsibly
Leverage, with eyes open.
Margin risk
If collateral falls in value, further security or repayment may be required. We size facilities with a deliberate buffer.
Interest-rate risk
Borrowing costs move with rates. We model facilities against higher-rate scenarios before you commit.
Purpose discipline
We lend to serve a plan, not to speculate. Leverage is only ever a means to a considered end.
Whole-picture view
Because we see your entire balance sheet, we can ensure borrowing never compromises long-term security.
Lending solutions
Explore our lending capabilities.
Questions
What clients ask us first.
Continue
Related capabilities.
Begin the relationship
Explore a facility.
Speak with us about raising liquidity against your portfolio or assets, prudently and on your terms.