Key Details:
- Client: UK national and UK resident
- Net Worth: Approximately £20 million
- Asset Base: Concentrated equity position, diversified investment portfolio and substantial Bitcoin holding
- Funding Requirement: Approximately £1.8 million for investment in a private start-up
- Solution: Specialist asset-backed facility incorporating digital and traditional assets
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 investment portfolio and a substantial Bitcoin holding.
The client sought to raise approximately £1.8 million to invest in a private start-up. Rather than liquidating existing assets, the client wished to explore an asset-backed financing structure that could provide access to capital while preserving exposure to their wider portfolio, including their digital assets.
The client’s wealth was spread across concentrated equity and digital assets, which many lenders assess separately or may not accept as collateral. Previous proposals had involved multiple lenders, potentially increasing fees and operational complexity. Appropriate custody arrangements and clear oversight of the underlying assets were also important considerations when structuring the facility.
Enness identified a specialist lender capable of taking a broader view of the client’s balance sheet and considering multiple asset classes within a single financing structure. The assets were assessed within the lender’s required custodial and security framework, allowing the lender to evaluate the overall position while maintaining appropriate controls around the underlying collateral.
Subject to lender approval, asset suitability, prevailing market conditions and the client’s circumstances, the proposed structure provided a route to accessing capital through a single facility rather than requiring the client to liquidate assets or arrange multiple separate borrowing facilities. In this case, the solution supported the client’s proposed start-up investment while allowing them to maintain exposure to their traditional and digital assets.
This case demonstrates how specialist asset-backed lending can provide alternative liquidity solutions for high-net-worth clients with complex portfolios, particularly where wealth is held across multiple asset classes. Each transaction is assessed individually, with available leverage, structure and terms dependent on lender criteria, the underlying assets and prevailing market conditions.
Crypto Disclaimer
Enness does not give crypto advice or recommendations and you should seek independent professional advice to discuss your personal circumstances and requirements. Enness does not provide investment advice or recommendations in relation to digital assets.
Securities-Backed Lending Disclaimer
Enness does not give advice on Securities-Backed Lending or investments; lender introductions are unregulated.
Risk Warning
Digital assets such as Bitcoin can be highly volatile and their value can fall as well as rise. Where digital assets or other investments are used as collateral for borrowing, a fall in value may result in additional collateral requirements, margin calls or the sale of pledged assets, depending on the terms of the facility. Failure to meet repayment obligations may result in the loss of secured assets.
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, custody arrangements, jurisdiction and lender criteria. Loan amounts, lending structures, pricing and outcomes are indicative only and may vary depending on individual circumstances. Enness Global acts as a credit broker and not as a lender.
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.
