Securities Backed Lending
Securities Backed Lending
Access Liquidity Without Selling Your Investments
At St. George Commercial Finance Brokers Ltd., we help high-net-worth individuals and savvy investors unlock the value of their portfolios without triggering a sale, tax event, or missed market upside.
With Securities Backed Lending (SBL), you can borrow against your stocks, bonds, mutual funds, or other marketable securities — giving you immediate access to capital while staying fully invested.
Why Use SBL?
- Seize time-sensitive opportunities without liquidating your portfolio
- Fund property purchases, business investments, or personal expenses
- Preserve long-term investment strategies and compounding potential
- Avoid capital gains taxes and market timing risks
Key Benefits:
- Borrow against listed securities without selling
- Competitive interest rates & flexible repayment terms
- Fast, discreet approvals
- Maintain full ownership and market exposure
- No early repayment penalties
- Suitable for individuals, trusts, and corporate entities
Who Is It For?
- High-net-worth individuals needing short- or medium-term liquidity
- Entrepreneurs and business owners seeking low-cost capital
- Investors looking to monetise assets while staying in the market
- Wealth managers and family offices structuring tax-efficient finance
Why St. George?
- Access to a global panel of private banks, boutique lenders & structured finance providers
- Discreet, personal service with tailored deal structuring
- UK-based and regulated, with a strong focus on risk and compliance
- Trusted advisor to investors, professionals, and corporate clients
What is the criteria for Securities Backed Lending ?
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Eligible Securities
You must own a portfolio of marketable securities such as listed stocks, mutual funds, ETFs, or government/corporate bonds.
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Minimum Portfolio Value
Most lenders require a minimum portfolio size—typically starting from £100,000 or equivalent—depending on asset types and risk profile.
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Liquidity & Quality of Assets
The assets must be liquid and from well-recognized exchanges. Illiquid or highly volatile assets may not be accepted.
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Loan-to-Value (LTV) Ratio Lenders usually offer LTV ratios
between 50%–70%, based on the asset class and market volatility.
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Ownership & Custody
Securities must be held in your name and may need to be transferred to a custodian or pledge agreement set by the lender during the loan term.
Testimonials
"Using my investment portfolio to secure a loan gave me quick access to funds without liquidating my assets. The process was seamless and professional—highly recommended!"
"My client needed fast liquidity for a property acquisition. Securities backed lending provided a flexible, low-interest solution without disrupting their long-term investments."
"As an expat, traditional loans can be tricky. With securities-backed lending, I leveraged my global portfolio to fund a business venture in the UK with zero hassle."
Ready to Unlock Capital Without Compromise?
Let your portfolio work harder — without disrupting your financial strategy.
👉 Contact St. George Commercial Finance Brokers Ltd. today for a confidential SBL consultation.
- 01273 855 711
- akram@stgeorgecommercial.co.uk