Who uses a Lombard loan?
One instrument, several recurring holders — each with its own structuring considerations. The profiles below set out how a Lombard loan is shaped around the person who holds the position.
A Lombard loan is a single instrument — credit secured by a pledge of listed shares or a securities portfolio — but the reasons for using one, and the constraints around it, differ sharply from one holder to the next. A founder is bound by lock-ups and insider rules; a family office answers to a trust deed and a succession plan; a controlling shareholder must protect a voting position and a disclosure threshold. Each profile below explains the specific structuring that a Lombard facility calls for, so the right holder can start from the right place.
Founder Lombard Loans
Liquidity against locked-up or insider-restricted founder equity — raised without selling and without breaching a lock-up.
Read → 02 · Family OfficesFamily-Office Lombard Lending
Credit within trust and succession structures — for diversification, downstream deployment, and bridging a generational transfer.
Read → 03 · Controlling ShareholdersControlling-Shareholder Financing
Liquidity that leaves voting control, the share register, and a takeover-code position undisturbed.
Read → 04 · Single-Stock HoldersConcentrated Single-Stock Liquidity
Capital released from a concentrated single-name position — to diversify or deploy — without selling the holding.
Read → 05 · Pre-IPO HoldersPre-IPO & Lock-Up Bridges
Liquidity carried across the post-IPO lock-up, without forcing the timing of the exit.
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