Securities Lending

Securities lending allows high-net-worth individuals to unlock liquidity without selling investments. Your portfolio, such as publicly traded stocks, bonds, or other eligible securities, is pledged as collateral to a private bank or specialist lender. In exchange, the lender provides a credit line or lump-sum facility, which can be used for purposes such as purchasing international real estate, funding business ventures, or consolidating debt.

During the agreed loan term, you make interest payments and comply with any loan covenants. Your assets remain invested, allowing you to benefit from potential market gains while maintaining access to your capital. Once the loan is fully repaid, the lender releases the pledge over your securities, restoring your unrestricted control of the portfolio.

Securities-backed lending allows investors to access substantial capital without having to liquidate their portfolios. By pledging publicly traded stocks, bonds, or other eligible assets as collateral, you can fund high-value real estate purchases or business opportunities while maintaining ownership of your investments.

This means your portfolio can continue generating potential returns, dividends, and capital gains throughout the loan term. Additionally, securities-backed loans often offer competitive interest rates, flexible repayment structures, and rapid access to liquidity, making them ideal for time-sensitive acquisitions, cross-border property purchases, or strategic business expansion.

A UK-based investor held £1.6 million in restricted pre-IPO shares of a global technology company. Due to share restrictions and uncertainty around the IPO date, traditional financing was not an option. Enness sourced a lender that arragned a bespoke securities-backed loan, securing competitive terms and incorporating an equity kicker to align with the client’s long-term interests. The transaction was completed within weeks, enabling the client to access significant liquidity without selling their shares.

Securities-backed lending can be arranged against a wide range of assets, including publicly traded equities, fixed-income securities, exchange-traded funds (ETFs), and, in some cases, liquid digital assets. The key factor is the quality, liquidity, and stability of the underlying assets, as these determine loan-to-value ratios, interest rates, and eligibility. Enness works with lenders who understand both traditional and alternative asset classes, enabling high-net-worth clients to unlock liquidity from diverse portfolios.

In securities-backed lending, interest rates, fees, and collateral requirements vary depending on the lender, the asset class, and the borrower’s profile. Some lenders may charge custody or arrangement fees, while others may offer fee-free structures. Loan-to-value ratios are influenced by the quality, liquidity, and volatility of your securities; highly liquid, blue-chip stocks typically allow for higher borrowing limits. Enness works with a global network of private banks and specialist lenders to negotiate competitive rates, flexible terms, and the most efficient collateral requirements for high-net-worth clients.

Yes. Securities-backed lending can be used to purchase high-value property in the U.S. or overseas without liquidating your investment portfolio. By pledging your stocks, bonds, or other qualifying securities as collateral, you can quickly access the capital needed for real estate acquisitions, whether in prime U.S. markets or international locations. This type of financing is ideal for time-sensitive transactions, cross-border purchases, or when you want to maintain your market positions while securing property. Enness specializes in structuring competitive, discreet securities-backed loans for domestic and overseas property investments, working with lenders experienced in both U.S. and international real estate markets.

Yes. Securities-backed lending allows you to unlock significant liquidity without selling your investment portfolio, enabling you to maintain your market positions, dividend income, and long-term growth potential. This can be especially beneficial for high-net-worth investors who want to fund real estate purchases, business ventures, or other large transactions without triggering capital gains tax or disrupting their investment strategy. Enness specializes in arranging tailored securities-backed loans with competitive terms, providing you with fast and discreet access to capital while maintaining the integrity of your portfolio.

In some cases, for highly liquid, publicly traded securities, a securities-backed loan can often be arranged in as little as 48–72 hours once all documentation, valuations, and custody arrangements are in place. The speed comes from straightforward valuation, streamlined legal documentation, and rapid transfer of assets into custody.

More complex cases, such as loans against pre-IPO shares, restricted stock, unlisted equities, or digital assets, may take longer, typically 1–3 weeks, due to enhanced due diligence, regulatory checks, and bespoke structuring. Cross-border transactions may also require additional time for legal and compliance requirements.

Enness works to secure the fastest possible turnaround for your securities lending needs, coordinating all parties to deliver funding on your required timeline while ensuring terms remain competitive and tailored to your objectives.