Disclosures

This page sets out the disclosures applicable to use of this website and to any engagement with Lombard Financing. It is to be read in conjunction with the Terms of Use and the Privacy Notice.

1. No offer or solicitation

Nothing on this website constitutes an offer to sell, or the solicitation of an offer to buy, any security, any financing transaction, or any other instrument. The information on this website is provided for general informational purposes and is not directed at any specific recipient. No content on this website should be construed as investment advice, legal advice, tax advice, or any other form of regulated advice.

2. Eligible counterparties only

The services described on this website are made available only to eligible private and institutional counterparties of appropriate sophistication, scale, and standing — including founders, controlling shareholders, family offices, private clients, and institutional holders of listed securities. The services are not made available to retail investors. By engaging with the firm through the channels described on this website, the enquirer confirms that the enquiry is made on behalf of a qualifying private or institutional counterparty.

3. Jurisdictional restrictions

This website is not directed at, and the services described are not offered to, any person located in any jurisdiction where the publication or availability of such information, or the arranging of such services, would be unlawful. By accessing this website, the visitor represents that they are entitled to do so under the law of the jurisdiction from which they are accessing it. The firm reserves the right to decline any enquiry from any jurisdiction at its sole discretion.

4. Regulatory posture

Lombard Financing acts as an introducer and arranger of private, portfolio-backed financing transactions. Activities that require a regulatory licence — including lending, custody, and any regulated intermediation — are conducted through, or in collaboration with, entities holding the appropriate licence, authorisation, or registration in the relevant jurisdiction. The firm does not hold itself out as a bank, a deposit-taking institution, a discretionary investment manager, or a regulated investment adviser except to the extent expressly stated in writing at the point of engagement.

5. Risk warnings

Lombard lending — borrowing against a pledge of listed securities — involves material risks, including but not limited to:

• Market and margin risk — a fall in the value of the pledged securities may trigger a margin call, require additional collateral, or lead to partial liquidation of the pledged securities or, in non-recourse structures, their transfer to the lender.
• Liquidity risk — the ability to value or realise the collateral, and to recover the position on repayment, depends on the liquidity of the underlying market.
• Currency risk — where the loan currency differs from the currency of the collateral, exchange-rate movements may affect the effective loan-to-value and the cost of the facility.
• Interest-rate risk — where pricing is expressed as a reference rate plus a spread, a rise in the reference rate increases the cost of the facility.
• Counterparty and custody risk — risk in the lending counterparty and the custodian holding the pledged assets.
• Regulatory and disclosure risk — a pledge or financing may give rise to notification or disclosure obligations under applicable beneficial-ownership, takeover, or market-abuse regimes.
• Tax and corporate-action risk — the transaction may be characterised differently for tax purposes than for legal or accounting purposes, and corporate actions in the underlying issuer may affect the collateral.

Past performance of any security or market is not indicative of future results. No representation is made that any structure described on this website is suitable for any particular holder or transaction. Each enquirer should obtain independent legal, tax, and accounting advice before entering into any transaction.

6. Indicative figures

This website does not publish a rate card. Loan-to-value ratios, pricing, tenors, and transaction sizes referred to on this website are indicative of common practice and are not offers or commitments. Any loan-to-value range mentioned (illustratively in the region of 20% to 65%, depending on the collateral) and any pricing basis are calibrated to the specific holdings only after review, and are issued privately, not from this website.

7. Forward-looking statements

This website contains forward-looking statements regarding the firm, its services, and the markets in which it operates. Forward-looking statements are inherently subject to risks and uncertainties, and actual results may differ materially. The firm does not undertake to update any forward-looking statement.

8. No warranty

The information on this website is provided on an “as is” basis without warranty of any kind, express or implied. The firm makes no representation as to the accuracy, completeness, or timeliness of any information on this website, including regulatory citations, market data, and jurisdiction-specific facts. Each such statement is a summary; the underlying rules and regulations are subject to change without notice and should be verified against the relevant primary sources.

9. Intellectual property

All content on this website — including text, graphics, design, and structure — is the intellectual property of Lombard Financing and is protected under applicable copyright, trade-mark, and design-right laws. No part of this website may be reproduced, distributed, or transmitted in any form without prior written permission.