Lombard Loans

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.