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Why Lombard Financing Can Be Attractive
A Lombard facility can provide clients with flexible access to liquidity while allowing them to remain invested in their long-term portfolio. This can be particularly useful where clients wish to avoid selling investments at an unfavourable time, preserve portfolio exposure, fund short-term liquidity needs, or act quickly on selected opportunities.
Following the Swiss National Bank's reduction of its policy rate to 0% in June 2025, Switzerland remains one of the lowest interest rate environments of any major developed economy — making secured financing comparatively attractive for eligible clients.
Following the Swiss National Bank's reduction of its policy rate to 0% in June 2025, Switzerland remains one of the lowest interest rate environments of any major developed economy — making secured financing comparatively attractive for eligible clients.
Funding may help clients
Avoid selling investments at unfavourable times
Preserve portfolio exposure while accessing liquidity
Fund short-term liquidity needs efficiently
Act quickly on selected investment opportunities
Finance real estate acquisitions or business needs
Bridge liquidity gaps in estate planning or succession
Banking access
We introduce clients to appropriate Swiss and international banking institutions capable of providing lending, custody, and financing solutions tailored to each client's circumstances.
Lombard facilities
Where suitable, clients may use eligible investment portfolios or financial assets as collateral for lending facilities, allowing banks to provide liquidity without requiring the immediate sale of underlying assets.
Collateral management
We help structure and manage investment portfolios so that eligible assets may be recognised by lending banks as collateral, subject to the bank's own criteria, lending values, and risk policies.
Tailored financing
Funding solutions may include Lombard lending, real estate financing, investment-backed credit, liquidity lines, business-related financing, or other bespoke credit arrangements.
Strategic coordination
We work with clients, banks, custodians, tax advisers, and legal specialists where appropriate to ensure financing is considered within the context of the client's wider wealth, liquidity, and structuring objectives.
Lombard lending and other secured financing arrangements are not suitable for every client. Borrowing against investment assets involves risks, including margin calls, changes in collateral values, interest rate changes, forced asset sales, and potential losses. Any facility should be assessed carefully against a client's financial position, liquidity needs, and risk tolerance.
