Geneva · Private Lombard Credit · By Introduction
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Lombard Financing
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Geneva Senior Principals Throughout By Introduction

Credit against your portfolio, without selling a share.

A private Lombard loan — liquidity raised against your listed shares or securities portfolio, with the position left intact and the ownership retained.

A substantial holder should not have to sell to raise cash. We arrange private, portfolio-backed credit against listed equity and diversified securities — on terms calibrated to the holdings, the markets, and the holder. The capital is released; the portfolio stays where it is.

Request Confidential Terms How a Lombard Loan Works
01 · What We Do A Single Discipline

The Lombard loan, arranged privately.

A Lombard loan is credit secured by a pledge of your listed shares or securities portfolio. You keep beneficial ownership, the right to dividends (subject to structuring), and the option to recover the position in full on repayment. The instrument is centuries old — named for the Lombard bankers of medieval Europe — and the discipline is entirely in the structuring.

What is a Lombard loan?

The mechanics, the loan-to-value range, the recourse profiles, the eligible collateral — set out plainly, without the marketing gloss.

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How the engagement runs

Five disciplined stages from a confidential enquiry to funded capital. Senior principals throughout; institutional documentation; counsel of your choosing.

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02 · Markets Where We Lend

Against equity listed on the principal global exchanges.

A Lombard loan is, structurally, a function of the market in which the collateral is listed: each exchange brings its own disclosure regime, settlement mechanics, and liquidity profile. We arrange facilities across the principal cash-equity venues of every major region.

Europe & UK

United Kingdom & Europe.

Switzerland (SIX), the UK (LSE), the Euronext federation, Germany (Deutsche Börse), Italy, Spain, the Nordics — the home markets of European private wealth.

View region → Middle East

Gulf & Middle East.

Saudi Arabia (Tadawul), the UAE (ADX, DFM), Qatar (QSE) — the deepest pools of listed equity in the region.

View region → Asia-Pacific

Asia-Pacific.

Hong Kong (HKEX), Singapore (SGX), Japan (TSE), Australia (ASX), and the principal exchanges of the region's private-wealth centres.

View region → Americas

Americas.

United States (NYSE, Nasdaq), Canada (TSX) — the principal cash-equity venues of the western hemisphere.

View region →
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03 · Use Cases Who Uses Lombard Credit

Recurring holder profiles.

A Lombard loan is one instrument with several recurring applications. Each page below sets out the structuring considerations specific to that profile of holder.

Founders

Liquidity against locked-up or insider-restricted founder equity — without selling and without breaching the lock-up.

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Family Offices

Lombard credit within multigenerational structures — diversification, downstream deployment, and succession bridging.

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Controlling Shareholders

Liquidity without disturbing voting control, the share register, or a position under the takeover code.

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All use cases →
04 · The Premise Ownership Retained

Capital released. Portfolio intact.

A sale extracts the capital and the holder. A Lombard loan extracts only the capital. The borrower keeps the position, the voting rights, the upside, and the dividend stream, and defers the tax event a disposal would trigger. The facility releases cash against a fraction of the portfolio's market value, and the pledge is released in full on repayment.

This is the truth at the centre of the instrument: the right facility extracts value from a portfolio without extracting the holder from the portfolio. The whole discipline is the structuring of that facility.

05 · Process From Enquiry to Funding

Five disciplined stages.
Senior principals throughout.

Indicative terms typically within one or two business days. Documentation in parallel with the custody arrangement. Capital deployed against agreed timelines.

I Stage One

Confidential Enquiry

High-level details of the portfolio, submitted through a secure channel. Initial dialogue with senior principals only.

II Stage Two

Indicative Terms

A preliminary structure, typically issued within one to two business days of the initial submission.

III Stage Three

Documentation

Institutional documentation in parallel with regulatory, tax, and disclosure review by counsel of the borrower's choosing.

IV Stage Four

Custody & Pledge

Assets pledged to a qualified custodian under bankruptcy-remote arrangements. Beneficial ownership preserved throughout.

V Stage Five

Funding & Stewardship

Capital deployed against agreed timelines. A single point of contact maintained for the life of the facility.

See the process in full →
06 · Common Questions FAQ

What people most often ask first.

Q · 01 What is a Lombard loan?
A Lombard loan is a private loan secured by a pledge of liquid assets — most commonly listed shares or a diversified securities portfolio. The borrower pledges the portfolio as collateral, draws a cash advance against a fraction of its market value (the loan-to-value, or LTV), keeps beneficial ownership and the right to dividends subject to structuring, and recovers the portfolio in full on repayment. The term is the private-banking name for what is elsewhere called securities-backed lending or a share-backed loan.
Q · 02 How is a Lombard loan different from selling the shares?
A sale realises the capital and ends the holding. A Lombard loan releases capital while the portfolio stays where it is. The borrower keeps the voting rights, the dividend stream (subject to structuring), the upside, and the full economic exposure to the underlying — and defers the tax event a disposal would crystallise. When the loan is repaid, the pledge is released and the position is recovered in full.
Q · 03 What loan-to-value can I expect?
LTV is set per portfolio, not per asset class. A diversified, liquid book of large-cap listed shares supports a higher advance than a single concentrated small-cap position. The drivers are liquidity and free float, volatility, position size relative to the market, single-name concentration, and the recourse profile. Indicative ranges are issued only after a review of the specific holdings; the firm publishes no rate card.
Q · 04 Which markets and assets can be pledged?
Lombard loans are structured against shares listed on the principal cash-equity exchanges across Europe, the United Kingdom, the Middle East, Asia-Pacific, and the Americas, and against diversified portfolios of listed securities. Each exchange carries its own disclosure regime and settlement mechanics, which shape how the pledge and custody are arranged.
Q · 05 Who are Lombard loans for?
Private clients and their family offices, company founders with concentrated personal holdings, controlling shareholders, and sophisticated investors using listed equity or a securities portfolio as collateral. The firm works with substantial holders on a private, introduction-led basis and does not solicit or accept retail business.
Q · 06 What size of facility do you arrange?
Facilities are structured for positions of private-banking and institutional scale, with no fixed upper bound. The practical lower bound reflects the economics of arranging bespoke documentation and custody for a discrete transaction; indicative thresholds are discussed at the enquiry stage.
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