Crypto-Backed Loan for £3M Prime London Property

Key Details:

• Client: UK national resident in Singapore
• Requirement: Circa £3M facility for a prime Central London property acquisition
• Wealth Profile: Estimated net worth of approximately £25M, concentrated in corporate equity
• Challenge: Cross-border residency and concentrated, insider-linked equity requiring enhanced lender due diligence

The client was a UK national residing in Singapore with an estimated net worth of approximately £25 million, with a significant proportion of their wealth concentrated in equity linked to a single corporate employer. The client required approximately £3 million to acquire a prime Central London residence and wanted to access liquidity without unnecessarily reducing their existing equity exposure.

The transaction presented several complexities. The concentrated nature of the client’s equity position required careful consideration of the underlying security, while the connection between the client and the relevant company meant enhanced due diligence and appropriate disclosure were required. The client’s Singapore residency also introduced cross-border considerations and significantly narrowed the pool of lenders able to assess the transaction.

Enness Global identified a specialist private lender experienced in complex equity-backed financing and international client structures. The proposed solution was structured around the client’s existing equity position, subject to lender assessment, valuation, due diligence and the specific terms of the facility. The structure was designed to provide access to liquidity without requiring an immediate sale of the underlying equity.

The facility supported the client’s proposed property acquisition while allowing them to retain their existing equity position, subject to the terms and conditions of the financing. The case demonstrates how specialist lending can provide alternative liquidity solutions for internationally based clients with substantial but concentrated wealth, where conventional affordability and lending criteria may not be appropriate.

Important Information

Equity-backed and other specialist lending arrangements may be unregulated, depending on the structure, purpose of the borrowing and circumstances of the borrower. Regulatory protections available to regulated financial products may not apply. Enness Global does not provide advice or recommendations on investments or Securities-Backed Lending, and lender introductions are unregulated. Clients should seek independent legal, tax and financial advice before entering into any arrangement.

Risk Warning

The value of shares and other investments can fall as well as rise. Where borrowing is secured against investments or other assets, a fall in value may result in additional collateral requirements, partial repayment or the sale of pledged assets, subject to the terms of the facility. Failure to meet repayment obligations may result in the loss of secured assets. Concentrated equity positions may carry additional volatility and liquidity risks.

Disclaimer

This case study is for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, asset suitability, valuation, jurisdiction and lender criteria. Loan amounts, lending structures and outcomes are indicative only and may vary depending on individual circumstances. Enness Global acts as a credit broker and not as a lender.