Securities-Backed Lending


Flexible Liquidity Solutions for HNW and UHNW Clients


At Willow Private Finance, we specialise in arranging securities-backed lending facilities for High Net Worth (HNW) and Ultra High Net Worth (UHNW) clients seeking flexible access to capital without liquidating investment assets.


Whether you are looking to finance a property acquisition, unlock liquidity for business investment, refinance existing borrowing, manage tax liabilities, or structure multi-million-pound credit lines, we work with leading private banks and specialist lenders to deliver discreet, tax-efficient, and highly flexible solutions.

As an FCA-regulated, whole-of-market brokerage, Willow Private Finance provides more than simple access to lending products.


We advise HNW and UHNW clients on structuring securities-backed lending facilities that align with broader wealth preservation and liquidity strategies. Through close relationships with private banks and specialist lenders, we help clients secure competitive advance rates, flexible repayment structures, and rapid access to capital while maintaining long-term investment exposure.


Facilities can often be arranged against diversified portfolios, discretionary investment accounts, concentrated stock holdings, and other qualifying financial assets — with bespoke structuring tailored to each client’s objectives and risk profile.

Securities-Backed Lending

What Is Securities-Backed Lending?

Securities-backed lending allows high-net-worth and ultra-high-net-worth clients to access liquidity by borrowing against eligible investment assets without selling them.

Securities-backed lending, often referred to as Lombard lending, portfolio-backed finance or investment-backed borrowing, allows clients to use shares, bonds, funds, ETFs, managed portfolios and other eligible securities as collateral for borrowing.

Rather than liquidating investments, borrowers can leverage the value of an existing portfolio to secure flexible lending through private banks and specialist lenders. This can help preserve long-term investment strategies while releasing capital for property, business or personal liquidity requirements.

At Willow Private Finance, we work closely with private banks and specialist lenders to structure securities-backed lending facilities that combine flexibility, discretion and competitive terms, while aligning with each client’s wider financial objectives.

Liquidity Without Disrupting Investment Strategy

Clients can unlock capital from an existing portfolio while retaining ownership of their investments and maintaining exposure to long-term market growth.

Common Uses

  • Property acquisition and real estate investment
  • Bridging short-term liquidity requirements
  • Business investment or expansion
  • Tax planning and settlement of liabilities
  • Refinancing existing borrowing
  • Luxury asset purchases including yachts, aircraft and fine art
  • Preserving long-term investment strategies without triggering asset disposals

What Lenders Assess

  • Asset type and liquidity
  • Portfolio diversification
  • Volatility risk
  • Jurisdiction and custody arrangements
  • Currency exposure
  • Concentrated stock positions
  • Overall client profile and wealth structure

How Facilities Can Be Structured

Depending on the strength and composition of the portfolio, lenders may offer revolving credit facilities, interest-only structures, fixed-term loans or bespoke private banking solutions tailored to the client’s wider financial objectives.

SBL Simulation Suite

Test Your Portfolio’s Liquidity: The SBL Simulation Suite

Explore how private banks may assess liquidity, volatility, concentration risk and margin exposure when considering a securities-backed lending facility.

Securities-backed lending is not simply about the size of an investment portfolio. Private banks assess a range of factors including liquidity, volatility, concentration risk, asset quality and margin exposure before deciding how much capital they may be prepared to advance.

The SBL Portfolio Simulation Suite has been designed to help High Net Worth and Ultra High Net Worth clients better understand how lenders may evaluate a portfolio when structuring a Lombard lending or securities-backed finance facility.

By adjusting portfolio composition and borrowing requirements, clients can explore how different asset structures may affect lending flexibility, borrowing limits and downside protection during periods of market volatility.

Understand Borrowing Capacity Before You Apply

The simulator provides a practical illustration of the relationship between leverage, asset quality, liquidity planning and portfolio resilience during market downturns.

The Simulator Models Key Lending Metrics

1

Loan-to-Value capacity

2

Asset quality and diversification

3

Margin-call sensitivity

4

Liquidity and volatility stress testing

5

Portfolio concentration exposure

6

Indicative borrowing capacity

7

Estimated interest servicing costs

8

Downside protection and crash cushion

Estimated Market Cushion

One of the most valuable outputs is the estimated market cushion: an indication of how much portfolio value could potentially be lost before a lender may require additional collateral, partial repayment, portfolio rebalancing or facility restructuring.

Important: This simulator is for illustration purposes only. Actual securities-backed lending terms, advance rates, margin-call thresholds and lending decisions vary between private banks, specialist lenders, portfolio structures and market conditions.

SBL Portfolio Simulation Suite

Lombard Lending & Liquidity Analysis | 2026 HNW Edition

Portfolio Composition

*Based on 2026 Private Bank volatility thresholds.

Loan Requirements

Market "Crash" Cushion
0%
40% Current LTV
Max Lending Limit: £0
Annual Interest Cost: £0
Margin Call Threshold
Call triggers at Portfolio Value: £0
Indicative analysis based on 2026 Lombard lending standards. Margin calls typically trigger when LTV exceeds the 'Maintenance Margin' (usually 10-15% above entry LTV).

This simulation is provided for educational and illustrative purposes only and does not constitute lending advice or a formal credit assessment. Actual lending terms, advance rates, and margin requirements vary between lenders and depend on portfolio composition, jurisdiction, client profile, and prevailing market conditions.

Securities-Backed Lending

Securities-Backed Lending Knowledge Centre

Explore practical guides, market updates and case studies on borrowing against investment portfolios, listed securities and other liquid assets without necessarily selling down long-term holdings.

Start With Your Securities-Backed Lending Requirement

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Frequently Asked Questions About Securities-Backed Lending


What Is Securities-Backed Lending?

Securities-backed lending, also known as Lombard lending or portfolio-backed finance, allows borrowers to access liquidity using investment assets such as shares, bonds, ETFs, funds, or managed portfolios as collateral, without needing to sell those investments.


How Does Lombard Lending Work?

Private banks and specialist lenders assess the quality, diversification, liquidity, and volatility of an investment portfolio before offering a lending facility secured against those assets. Borrowers can then access capital through revolving credit facilities, term lending, or bespoke structured borrowing arrangements.


What Assets Can Be Used as Collateral?

Eligible assets commonly include:


  • Listed equities
  • Bonds
  • ETFs
  • Investment funds
  • Managed portfolios
  • Discretionary wealth management accounts
  • Certain structured investment products


The type and quality of assets will influence the lender’s advance rate and risk assessment.


What Is the Typical Loan-to-Value (LTV) for Securities-Backed Lending?

Loan-to-value ratios vary depending on the asset mix, volatility, diversification, and lender appetite. Diversified portfolios of lower-volatility assets may achieve significantly higher advance rates than concentrated or higher-risk holdings.


Can I Use Securities-Backed Lending to Buy Property?

Yes. Many High Net Worth borrowers use securities-backed lending facilities to finance residential property purchases, development projects, bridging requirements, or international real estate acquisitions without liquidating investment assets.


What Is a Margin Call in Lombard Lending?

A margin call occurs when the value of the pledged investment portfolio falls below the lender’s required collateral threshold. In this situation, the lender may require additional collateral, partial repayment, or restructuring of the facility.


Is Securities-Backed Lending Suitable for International Clients?

Yes. Many private banks and specialist lenders provide securities-backed lending solutions for international borrowers, expatriates, and globally mobile High Net Worth individuals, subject to jurisdictional and regulatory considerations.


What Are the Main Risks of Securities-Backed Lending?

Key risks may include:


  • Market volatility
  • Margin calls
  • Currency exposure
  • Interest rate fluctuations
  • Concentrated portfolio risk
  • Reduced borrowing capacity during market downturns


Careful structuring and risk management are essential.


Can Securities-Backed Lending Be Interest-Only?

In many cases, yes. Depending on the lender, facility structure, and client profile, securities-backed lending can often be arranged on an interest-only basis with flexible repayment terms.


Why Do High Net Worth Clients Use Lombard Lending?

Many HNW and UHNW individuals use Lombard lending to unlock liquidity while maintaining long-term investment exposure. Common uses include:


  • Property acquisition
  • Business investment
  • Tax planning
  • Refinancing
  • Lifestyle purchases
  • Portfolio diversification
  • Short-term liquidity management



This allows borrowers to access capital without triggering asset disposals or disrupting broader wealth strategies.

Why Willow Private Finance

Securities-Backed Lending Built Around Complex Wealth

Securities-backed lending requires more than placing a value on an investment portfolio. Lenders need to understand asset eligibility, concentration risk, liquidity, volatility, custody arrangements, loan-to-value limits and the purpose of the facility.

Since 2008, Willow Private Finance has helped high-net-worth clients, entrepreneurs, investors and international borrowers access liquidity where traditional income-led lending does not always reflect the strength of their wider wealth position.

Our advisers work with private banks, specialist lenders and wealth-focused funding lines, helping clients structure borrowing against eligible securities while considering margin calls, repayment strategy, investment objectives and wider property or business plans.

What Sets Us Apart

Established Since 2008

Long-standing experience across private banking, specialist lending, high-value mortgages and complex client structures.

Private Bank And Specialist Lender Access

Access to lenders who understand investment-backed borrowing, portfolio liquidity and asset-led funding.

Securities-Backed Lending Expertise

Support with facilities secured against listed shares, managed portfolios, bonds and other eligible liquid assets.

Risk And Structure Advice

Guidance around LTVs, haircuts, margin calls, asset concentration, liquidity buffers and repayment strategy.

End-To-End Client Support

Clear guidance from initial appraisal and lender selection through to credit approval, offer and completion.

Securities-Backed Lending Advice

Bespoke Securities-Backed Lending Solutions

Portfolio-backed credit facilities for high-net-worth and ultra-high-net-worth clients.

At Willow Private Finance, we work with private banks, boutique lenders and specialist credit providers to structure tailored securities-backed lending facilities for high-net-worth and ultra-high-net-worth clients.

Whether you are seeking liquidity for a property acquisition, refinancing, business investment, wealth planning or international opportunities, we help design lending solutions that align with your portfolio structure and broader financial objectives.

Every enquiry is handled discreetly and strategically, with a focus on long-term relationship value rather than transactional lending alone.
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