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 and Ultra High Net Worth clients. Whether you need to unlock liquidity against an investment portfolio, finance a property purchase without liquidating assets, or structure multi-million-pound credit lines, our team works with leading private banks and specialist lenders to deliver discreet, flexible, and tax-efficient solutions.

As an FCA-regulated, whole-of-market broker, Willow Private Finance does more than simply arrange finance.


We help HNW and UHNW clients unlock liquidity by leveraging their investment portfolios without the need to sell assets. Through close relationships with private banks and specialist lenders, we structure securities-backed lending facilities tailored to your unique objectives. This can mean higher advance rates, flexible repayment terms, and the ability to move quickly when opportunities arise — all delivered with the discretion and efficiency expected at the private banking level.

Strength, Liquidity, Opportunity


"Since 2008, Willow Private Finance has specialised in helping High and Ultra High Net Worth clients access credit in ways that preserve, rather than disrupt, their wealth.


Securities-backed lending provides an elegant solution: using your investment portfolio as collateral to unlock liquidity quickly, without the need to sell down positions or compromise long-term strategy. From establishing revolving credit lines to financing major acquisitions, we partner with private banks and specialist lenders to secure terms that reflect the strength and sophistication of your holdings.


Our approach is always discreet, highly personalised, and focused on aligning each facility with your broader financial objectives. The result is lending that enhances flexibility, protects core assets, and opens the door to new opportunities."


— Wesley Ranger, Founder


Test Your Portfolio’s Liquidity: The SBL Simulation Suite


Accessing cash shouldn't feel like a guessing game with your investment strategy. We’ve designed this simulation suite below to act as a "stress-test" for your portfolio, moving beyond simple balance sheets to show the actual mechanics of a Lombard loan. By adjusting for 2026 market volatility and the specific "haircuts" lenders apply to different asset classes, from blue-chip equities to investment-grade bonds, this tool reveals your Crash Cushion.


It calculates the exact percentage your portfolio can dip before a lender triggers a margin call, allowing you to anchor your property or business plans in technical reality rather than optimistic estimates.

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).

Learn More About Securities-Backed Lending

Securities Backed Lending in 2025: How It Works and Who It’s For





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Securities Backed Lending: The Definitive Guide for HNW Borrowers, Developers, and Advisers



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Property Finance with Securities Backed Lending: Unlocking Liquidity Without Selling Investments

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Comparing Options & Lender Insights

Comparing Securities Backed Lending vs. Margin Loans: What HNW Clients

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Private Banks vs. Specialist Lenders: Who Offers the Best Securities Backed Lending

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Risks, Protection & Market Volatility

Risks in Securities Backed Lending: Market Volatility, Margin Calls, and How to Protect Yourself

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Integrating Securities Backed Lending into Wealth Planning: Tax, Estate, and Investment Considerations

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Advanced Applications of SBL

Securities Backed Lending for Developers: Flexible Liquidity for Bridging and Pre-Development Costs

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Cross-Border Opportunities: Using Global Portfolios for UK Securities Backed Loans

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Ultra-High-Net-Worth Lending: How SBL Is Powering £10M+ Property and Lifestyle Finance

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Our Services


Securities-Backed Lending Solutions for Global HNW Clients

Our long-standing partnerships with global private banks and boutique lenders allow us to design lending arrangements that turn investment portfolios into a source of flexible capital. Instead of liquidating assets, clients can access tailored credit facilities that move quickly and adapt to changing opportunities.


For high and ultra-high-net-worth individuals, this means bespoke structures that are rarely advertised, negotiated with discretion, and aligned with broader wealth strategies rather than one-off transactions.