The client was a UK national and UK resident with an estimated net worth of approximately £20 million. Their wealth was held across a concentrated equity position, a diversified portfolio, and a substantial Bitcoin holding.
The client sought to raise approximately £1.8 million to invest in a private startup. Rather than liquidating assets, the client wished to unlock capital through a crypto-backed loan, consolidating multiple asset types under a single facility.
The client’s wealth was spread across concentrated equity and digital assets, which many lenders assess separately or exclude. Prior proposals involved multiple lenders, increased fees, and operational complexity. Secure custody within a regulated environment was also a priority.
Enness identified a specialist lender capable of taking a holistic view of the client’s balance sheet. Assets were consolidated under a regulated custodial framework, allowing the lender to assess risk across the portfolio while maintaining transparency and control for the client. Terms were structured in line with private-bank lending standards for complex crypto-centric portfolios.
Subject to lender approval and client circumstances, similar structures have enabled clients to unlock capital through a single, streamlined facility. In this case, the solution supported the client’s startup investment while preserving exposure to both traditional and digital assets.
Crypto Disclaimer
Enness does not give crypto advice or recommendations and you should seek professional advice to discuss your personal circumstances and requirements.
Don’t invest unless you’re prepared to lose all the money you invest.
This is a high-risk investment, and you are unlikely to be protected if something goes wrong.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
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.
