Learn about lending

Lombard lending

A Lombard loan is a lending facility secured against an investment portfolio. With listed and liquid securities, the loan can be issued extremely quickly – often on the same day. This efficient process and secure collateral leads to extremely competitive rates.

Lombard lending facilities can come in many forms:
fixed term loans, revolving credit facilities or even as an overdraft.
This product is highly attractive for all parties involved – borrowers, lenders and advisors.


  • Additional credit source
  • Quick and simple process
  • No need to divest portfolio
  • Competitive rates


  • Strong credit performance
  • Highly capital efficient
  • Easily realisable collateral
  • Large and growing market


  • Additional client proposition
  • Retain investment assets
  • Win new clients with levered portfolios
  • Defend existing AuM from disinvestment
What do we offer?

Bondsmith - Lombard lending solution suite

Bondsmith has developed a suite of tools to deliver Lombard lending to clients of financial advisors and banks who can finance the loans. These tools include


  • Automated, paperless application process
  • Electronic documentation
  • Advisor and borrower friendly dashboard


  • Lender dashboard
  • Application management queues and prioritisation
  • KYC and AML checks
  • Integrated compliance controls (including CCA and MCD)
  • Customisable auto-decisions, lender credit policy and appetite

Document management

  • Integrated T&C’s, key information documents
  • Borrower declarations and signatures
  • KYC and AML - Document storage

Capital reporting

  • Sophisticated capital assessment methodology ensuring most efficient risk-weightings
  • Capital assessed on per asset, portfolio and counterparty basis
  • Regulator friendly outputs

Loan monitoring

  • Integrated market data feeds
  • Daily collateral monitoring and assessment
  • Lender/advisor dashboards for ongoing monitoring
  • Customisable credit policy

Loan servicing

  • Daily loan monitoring and management
  • Annual loan reviews
  • Collections and recoveries, including margin call processing
Get in touch!

Next steps

If you are interested in any aspect of this offering, please don’t hesitate to contact us.
Contact us
Bondsmith is a trading name of Bondsmith Savings Ltd. Bondsmith Savings Ltd is registered in England and Wales, No 13223331. Registered office: 124-128 City Road, London, EC1V 2NJ. Bondsmith is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 955601, for the issuing of electronic money.