- Client: French national, Middle East resident
- Portfolio Value: Circa $6 million across investments and digital assets
- Loan Amount: Circa $2 million
- Loan to Value: Approximately 33%
Enness was approached by a high-net-worth individual seeking to raise liquidity against a diversified investment base comprising a £2.5 million traditional investment portfolio and approximately £3 million held in digital assets. The client wanted to cross-collateralise these holdings to create a more resilient borrowing structure. This would allow the client to manage potential margin calls effectively without having to borrow to the maximum limit against the traditional investment portfolio alone.
The key challenge was identifying a lender willing to provide financing secured against both listed equities and digital assets within a single facility. While many lenders are comfortable lending against conventional investment portfolios, significantly fewer institutions are willing to incorporate digital assets as recognised collateral within the same structure. The lender also needed to be comfortable with the client’s international profile and able to structure the facility efficiently across multiple asset classes.
Acting quickly, Enness leveraged its network of specialist lenders experienced in securities-backed and digital asset–backed lending. A lender was identified that could accommodate both asset classes within a single credit facility while maintaining competitive pricing and flexible borrowing terms.
The final structure provided a day-one draw line of credit of approximately $2 million at around 33% loan-to-value. Pricing was agreed with no arrangement fees and full line-of-credit flexibility. This allowed the client to draw capital when required while maintaining appropriate collateral coverage across both the investment portfolio and digital assets.
By structuring a cross-collateralised facility, Enness enabled the client to access liquidity while maintaining control over both traditional and digital investments. The solution reduced margin pressure, preserved portfolio positioning, and provided a flexible financing platform aligned with the client’s broader wealth strategy.
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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
