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
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
Advisor and borrower friendly 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
Integrated T&C’s, key information documents
Borrower declarations and signatures
KYC and AML - Document storage
Sophisticated capital assessment methodology ensuring most efficient risk-weightings
Capital assessed on per asset, portfolio and counterparty basis
Regulator friendly outputs
Integrated market data feeds
Daily collateral monitoring and assessment
Lender/advisor dashboards for ongoing monitoring
Customisable credit policy
Daily loan monitoring and management
Annual loan reviews
Collections and recoveries, including margin call processing
Get in touch!
If you are interested in any aspect of this offering, please don’t hesitate to 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.