The client was a UK-based individual with a significant proportion of wealth held in a single publicly listed US equity.
The client required a share-backed revolving credit facility at approximately 50% LTV.
Many lenders require portfolio diversification. Lending against a single stock required a lender comfortable with concentration risk and active margin.
Enness identified a specialist lender willing to provide a revolving facility secured against a single listed equity, subject to conservative structuring and appropriate risk controls.
Subject to lender approval and market conditions, similar facilities have provided clients with flexible access to capital. In this case, the structure preserved ownership while delivering liquidity aligned with evolving needs.
This case study is anonymised and illustrative. Enness does not provide tax, legal, or investment advice. Independent professional advice should be sought.
Securities Backed Lending Disclaimer
Enness does not give advice on Securities Backed Lending or investments; and lender introductions are unregulated.
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.
