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.

What Is Securities Backed Lending?


Securities-backed lending, often referred to as Lombard lending, portfolio-backed finance, or investment-backed borrowing, allows High Net Worth (HNW) and Ultra High Net Worth (UHNW) individuals to access liquidity by using investment assets as collateral, rather than selling them.


Instead of liquidating shares, bonds, funds, ETFs, or managed investment portfolios, borrowers can leverage the value of those assets to secure flexible lending facilities through private banks and specialist lenders.


These facilities are commonly used for:


  • 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


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


Advance rates typically depend on:


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


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 broader wealth preservation strategies.


Our clients often use securities-backed lending to unlock opportunities quickly while maintaining exposure to long-term investment growth.


Test Your Portfolio’s Liquidity: The SBL Simulation Suite


Securities-backed lending is not simply about the size of an investment portfolio, it is about how private banks assess liquidity, volatility, concentration risk, and margin exposure under real-world market conditions.


Our 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.


Rather than relying on broad assumptions, this tool simulates key lending dynamics used within private banking environments, including:


  • Loan-to-value (LTV) tolerance
  • Asset class risk weighting
  • Margin call thresholds
  • Liquidity stress testing
  • Portfolio concentration exposure
  • Indicative borrowing capacity
  • Estimated interest servicing costs


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


The simulation also estimates your portfolio’s potential “Crash Cushion” , the percentage decline your portfolio may absorb before a lender could require additional collateral, partial repayment, or portfolio rebalancing.


This provides a more realistic framework for understanding:


  • how securities-backed lending works in practice,
  • how lenders manage risk,
  • and how sophisticated borrowers strategically access liquidity without disrupting long-term investment strategies.


While indicative only, the simulation reflects many of the core principles private banks apply when assessing securities-backed lending facilities in today’s market environment.

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.

Strength. Liquidity. Opportunity.


“Since 2008, Willow Private Finance has specialised in helping High Net Worth and Ultra High Net Worth clients access liquidity in ways that preserve, rather than disrupt, long-term wealth strategies.


Securities-backed lending can provide sophisticated borrowers with highly flexible access to capital while maintaining exposure to investment portfolios and broader wealth structures. From revolving liquidity facilities to complex property acquisitions and strategic refinancing, we work closely with private banks and specialist lenders to structure facilities aligned with each client’s objectives, risk profile, and portfolio characteristics.


Our approach is discreet, highly personalised, and focused on delivering lending solutions that enhance flexibility, support opportunity, and integrate intelligently within wider financial planning strategies.”


— Wesley Ranger, Founder

Learn More About Securities-Backed Lending

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Risks, Protection & Market Volatility

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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.

Speak with our team about bespoke securities-backed lending solutions, private bank structures, and flexible liquidity strategies tailored to your wider financial objectives.

Bespoke Securities-Backed Lending Solutions

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 both your portfolio structure and broader financial objectives.


Our experience across complex and cross-border transactions allows us to support clients requiring:


Lombard lending facilities

Portfolio-backed credit lines

Property acquisition finance

Cross-border securities-backed lending

UHNW liquidity solutions

Flexible interest-only structures

Private bank introductions

Bespoke borrowing against investment portfolios


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