Lending Against Portfolio (Lombard Lending)

Math Financial Group advises clients on lending against portfolio (Lombard lending) structures, enabling access to liquidity while maintaining core investment exposure. We work with leading regional and international institutions to align loan terms, collateral frameworks, and risk parameters with each client’s broader wealth and governance objectives.

Our role is advisory and strategic. We analyse asset composition, concentration, jurisdictional considerations, and lender appetite to structure Lombard solutions that support capital deployment, balance sheet efficiency, and long term wealth preservation.

Lombard lending requires a clear understanding of lender risk frameworks, collateral eligibility, and portfolio behaviour across market cycles. Working with an expert helps ensure that leverage, documentation, and security arrangements are carefully aligned with both institutional standards and your long term objectives.

• Structured Risk Assessment – Independent review of portfolio composition, volatility, and concentration before determining appropriate leverage levels.
• Institutional Alignment – Matching client profiles and asset classes with banks that recognise and efficiently lend against those holdings.
• Collateral and Covenant Clarity – Clear articulation of margining, triggers, and collateral arrangements to avoid unexpected constraints.
• Cross Border Considerations – Coordinated analysis of booking centres, custodians, and regulatory environments impacting Lombard facilities.
• Strategic Use of Liquidity – Positioning leverage as part of a broader capital allocation, succession, or corporate financing strategy rather than a standalone facility.

Clients appoint Math Financial Group to structure Lombard lending frameworks that are coherent with their banking relationships, investment mandates, and governance structures. We bring together portfolio analysis, lender expectations, and cross border structuring to ensure that each facility is considered, measured, and sustainable.

• Advisory Led Approach – We focus on suitability, risk parameters, and long term capital objectives before engaging institutions.
• Multi Institution Access – We coordinate with select regional and international banks to identify appropriate booking centres and terms.
• Integrated Structuring – Lombard facilities are aligned with holding companies, trusts, and family governance frameworks where relevant.
• Discreet Coordination – All discussions, documentation, and negotiations are handled with strict confidentiality.
• Ongoing Oversight – We remain available to review collateral levels, margining dynamics, and facility terms as market conditions evolve.

Our lending against portfolio (Lombard lending) services are designed to structure leverage around your existing assets with precision and institutional discipline. We oversee the journey from feasibility analysis through lender engagement and facility implementation.

• Portfolio and Objective Review – Assessment of asset mix, liquidity, volatility, and the intended use of borrowed funds.
• Leverage and Risk Parameters – Indicative assessment of appropriate loan to value ranges in line with asset quality and market conditions.
• Lender and Jurisdiction Selection – Identification of suitable banking partners and booking locations based on asset custody and client residency.
• Facility Structuring and Term Negotiation – Coordination of discussions around loan currency, tenor, covenants, and collateral requirements.
• Documentation and Collateral Alignment – Support in aligning pledge agreements, custody arrangements, and ancillary documents with lender standards.
• Post Implementation Review – Periodic reassessment of facility suitability in light of portfolio changes, market shifts, or strategic repositioning.