As a licensed deposit taker we are able to offer your clients a range of banking services and fixed interest term deposits. We also offer loans to our existing clients secured against their investment portfolios and in some cases other assets. These additional services are valued by our clients and are an important point of differentiation from many of our peers.
There may be times when your clients need some financial flexibility, which is why we can provide a loan service for them. Portfolio lending provides an alternative to selling investments when your clients have a short-term cash flow requirement. By borrowing against the value of their portfolio, they can raise the cash they need and keep their investments intact.
Portfolio lending can be a useful short-term source of funds. It could help to cover school fees, provide the bridging finance to complete a property transaction or settle tax liabilities, for example. Charity clients have used portfolio loans to fund capital expenditure projects such as the construction of new buildings.
With the favourable interest rates we offer our clients, a portfolio loan can be a competitive alternative to bank lending.
Loans can be arranged quickly through your clients investment manager. They are not suitable for every situation or client, so we consider them on a case-by-case basis. If we are unable to offer a portfolio loan, we will do our best to help your client find another solution.
For more information, please contact a member of our team.