Lending and Financing

Lending and financing services for UHNW individuals and families are designed to deliver highly customized, discreet, and strategic financial solutions. These services provide liquidity, flexibility, and opportunities to pursue complex financial goals while prioritizing wealth preservation, tax efficiency, and alignment with sophisticated investment portfolios and multigenerational estate plans. Unlike traditional lending, which often relies on standardized terms and rigid structures, UHNW financing is tailored to accommodate the unique needs of clients with diverse, high-value asset bases and intricate financial ecosystems. 

UHNW clients can access liquidity by borrowing against diversified investment portfolios, such as stocks, bonds, or private equity holdings, without the need to sell assets. This approach preserves long-term upside potential, minimizes capital gains tax triggers, and maintains portfolio diversification. Loans are typically structured with loan-to-value (LTV) ratios depending on asset liquidity and market volatility. Interest rates, often tied to benchmarks like SOFR or LIBOR, can be fixed or variable, with terms customized to align with the client’s cash flow and investment strategy. SBL is particularly valuable for funding immediate needs, such as acquisitions or tax obligations, while keeping portfolios intact. 

UHNW individuals frequently hold expansive real estate portfolios, including primary residences, vacation homes, international estates, or trophy properties like vineyards or historic landmarks. Tailored real estate financing includes jumbo mortgages, bridge loans, or construction financing with flexible terms to accommodate unique property types. These loans often feature LTV ratios up to 80% for prime properties, with custom repayment schedules and cross- collateralization options to leverage multiple assets. This financing supports property acquisitions, renovations, or liquidity needs while optimizing tax benefits, such as mortgage interest deductions, and aligning with estate planning goals. 

     High-value assets like fine art, rare wines, classic cars, or other collectibles represent significant wealth for many UHNW clients. Art and collectibles financing allows clients to unlock liquidity by borrowing against these assets without relinquishing ownership. Loans are structured based on professional appraisals, with LTV ratios typically ranging from 40-60% due to the specialized nature of these assets. This financing enables clients to fund new investments, cover short-term liquidity needs, or diversify their holdings while retaining culturally or personally significant assets for future appreciation or legacy purposes. 

    Private credit offerings provide custom loan structures for UHNW clients pursuing business ventures, private equity deals, or family office investments. These solutions include direct lending, mezzanine financing, or structured loans tailored to the client’s risk tolerance and investment horizon. For example, a family office may secure a loan to fund a startup investment or bridge a capital call in a private fund. These loans often feature customized covenants, flexible repayment terms, and alignment with long- term wealth strategies, ensuring minimal disruption to the client’s broader financial plan. 

     Beyond traditional asset-backed lending, UHNW financing often involves sophisticated structures like margin loans, cash flow lending, or hybrid facilities that combine multiple collateral types. These solutions are designed to address complex scenarios, such as funding trusts for estate planning, facilitating cross-border transactions, or supporting philanthropy initiatives. For instance, a client may use a structured loan to fund a charitable remainder trust, balancing tax advantages with liquidity needs. These arrangements require close collaboration with legal, tax, and wealth advisors to ensure compliance and optimization.