Lombard Loans
Wealth & Finance | Financing
About
Unlock capital quickly by using your investment portfolio as collateral—without disrupting your long-term strategy or asset exposure.
Lombard Loans have their roots in 15th-century Italian banking, where merchants from the Lombardy region offered secured loans using valuables as collateral—a practice that laid the foundation for modern private banking. Today, the principle remains the same: high-net-worth individuals can unlock liquidity by pledging financial assets such as listed equities, bonds, or funds—without selling them.
This discreet and efficient form of credit is now a core tool for clients looking to fund investments, buy real estate, or capitalise on time-sensitive opportunities while preserving their long-term portfolio strategy. Through our Private Office, we connect clients to trusted lenders who offer flexible, cross-border Lombard facilities backed by institutional-grade custody and clear commercial terms.
What It Offers
Lombard Loans offer a simple, discreet way to raise capital without divesting from your core portfolio.
- Borrow Against Your Portfolio: Use listed equities, bonds, or mutual funds as collateral
- No Forced Sales: Retain full ownership and benefit from long-term gains
- Flexible Loan Terms: Ranging from a few days to up to three years
- Fast Drawdown: Streamlined underwriting allows capital to be released quickly
- No Upper Borrowing Limits: Structures available for multi-million-dollar requirements
- Use Funds Freely: Buy property, invest in private markets, or hedge your exposure
- Cross-Border Access: Finance available regardless of where assets or borrowers are based
Who It’s For
- HNWIs with substantial investment portfolios
- International clients seeking liquidity without asset sales
- Family offices and entrepreneurs funding time-sensitive opportunities
- Investors looking to buy property or diversify
- Global professionals with portfolios in multiple jurisdictions
Understanding Your Needs
Selling down a portfolio to raise cash can lead to poor timing, capital gains tax, or loss of strategic exposure. Many clients we work with want access to liquidity without disturbing their investment structure. They need speed, flexibility, and someone who understands the complexities of their financial position.
That’s where our Private Office steps in. We connect you with lenders who provide structured credit backed by securities—handling everything discreetly and efficiently. From proposal to drawdown, we stay involved, ensuring your facility is optimised and your long-term position preserved.
About Our Partner
Our financing partner is a global leader in arranging high-value, cross-border lending solutions for complex client needs. With long-standing relationships across private banks, alternative lenders, and international financial institutions, they specialise in unlocking structured finance for high-net-worth individuals, entrepreneurs, and family offices.
Key Highlights:
- Established: 2007, with a proven track record in prime residential, commercial, and international property finance
- Client Base: Over £10 billion in arranged lending for clients in more than 80 countries—including private clients, intermediaries, and professional advisers
- Team: A multilingual team of senior finance specialists based in key financial hubs—London, Monaco, Dubai, Geneva, and Jersey—bringing local expertise to global transactions
- Scope: Supports a wide range of financing requirements, including luxury property purchases, refinancing, liquidity extraction, and international debt structuring
- Global Reach: With offices strategically located across Europe, the United States, and the Middle East, they provide region-specific insights and on-the-ground support wherever clients operate
Through this partnership, Private Office clients gain access to discreet, solution-led financing strategies—designed to navigate complexity and deliver leverage without compromise.
Eligibilities
- Own securities with a value of at least £1 million or equivalent
- Require to borrow £500,000 or currency equivalent
- Clear use of funds, repayment/exit plan and affordability
Frequently Asked Questions
Process
Share you asset profile, use of funds, and loan requirement
Lender Engagement
Indicative Terms
Terms Signed
Funds Released
Kingsbury & Partners’ Private Office provides access to a range of wealth management financial services, and insurance solutions through our network of trusted partners. We do not provide financial, investment, tax, or legal advice directly. Any financial products or services referenced on our platform are offered by third-party providers, and clients should conduct their own due diligence before entering into any agreements.
Nothing on our website, marketing materials, or communications should be construed as an offer, recommendation, or solicitation to buy or sell any financial product or service. Past performance is not indicative of future results, and investments carry inherent risks, including the risk of loss of capital. Clients should seek independent professional advice before making any financial decisions.
Kingsbury & Partners may receive fees or commissions from certain providers for introductions or referrals, but we remain impartial in our selection process and prioritise the best interests of our clients.
Regulatory requirements for financial and insurance services vary by jurisdiction, and availability may be subject to local laws and licensing conditions. It is the responsibility of clients to ensure that they meet the necessary qualifications or eligibility criteria for any service they choose to engage with.
For further details, please contact us directly.