A Lombard Loan involves the practice of utilizing marketable securities or other financial instruments as collateral for a loan. Just as a house is used as security for a mortgage, various liquid assets can serve as a guarantee for a loan.

In exchange for pledging your liquid securities, such as stocks, bonds, or investment funds, you have the option to request a credit line from a lender, which you can access at your discretion during a predetermined period. Lombard loans offer a means to enhance your liquidity without the need to sell your securities.

One of the key advantages of Lombard loans is the availability of a line of credit when needed, making them renowned for their flexibility. The underwriting process often primarily relies on the collateral used as security for the loan. It is precisely this efficient underwriting approach that contributes to the popularity of Lombard loans, as they provide a rapid means of generating liquidity.

Pre-IPO loans present an option worth considering, especially if you hold equity in a rapidly appreciating, high-value company that plans to go public in the near future. While the prospect of future liquidity and rising valuations is promising, it may not address your immediate need for capital before the business's IPO. This is why pre-IPO loans are gaining popularity.

Pre-IPO loans form a specialised segment within the securities-backed lending market. In principle, individuals with substantial equity in a private company that has announced its intention to go public can explore the possibility of obtaining a pre-IPO loan. Nevertheless, lenders exercise extreme caution when considering such financing, even if the company's equity ownership is in a very stable enterprise. Lenders typically look to provide loans against stocks of robust, high-growth companies with sought-after products or services. There are no rigid criteria dictating which industries or company profiles lenders will be willing to consider for pre-IPO financing.

If you possess exceptional individual stock holdings in your portfolio, these assets can be utilised to raise capital. Through our network of lending partners worldwide, we can establish a line of credit to meet your liquidity needs, no matter how intricate they may be. This situation is not uncommon, particularly among high-net-worth individuals.

In essence, single stock loans are accessible to individuals who have amassed substantial wealth through individual stock holdings. Lenders are willing to consider borrowers from various financial backgrounds and circumstances. The origin of your single stock portfolio is of secondary importance to lenders, as long as there is a rational basis for its composition.

Companies have various options to raise funds, and one such method is through bond issuance. A bond essentially functions as a contractual loan arrangement between an investor and a corporation. In this arrangement, the investor commits to providing the corporation with a specified sum of money for a defined duration. In return, the investor receives periodic interest payments, and upon reaching the bond's maturity date, the corporation repays the investor.

The choice to issue bonds, rather than opting for alternative fundraising approaches, can be influenced by multiple considerations. When companies seek to secure capital, they have the option to issue either stocks or bonds. Bond financing frequently proves to be a cost-effective alternative compared to equity financing, without necessitating a relinquishment of control over the company. Companies can acquire debt financing through a bank in the form of a loan or, alternatively, opt to issue bonds to investors.

Bonds offer several advantages in comparison to traditional bank loans and can be structured in a variety of ways, each with distinct maturity terms.