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5 Lending platforms offering securities-backed loans in the UK

By Gloria Methri

April 17, 2024

  • Advias
  • Asset-Based Lending
  • business loans
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Lending, Loans, Personal Loans, Securities-based Lending, Business Loans, SME Financing, Property Financing, FinTech, UK, EuropeThe lending sector in the UK encompasses a diverse range of financial services, catering to both individuals and businesses. Traditional lending products such as mortgages, personal loans, and business loans have long been the industry’s mainstays. However, FinTech advancements in evolving consumer demands have led to the emergence of innovative lending solutions.

Securities-backed lending is one such advancement that has gained traction in the UK market. Security-based lending is the practice of using your existing investments in stocks/mutual funds/ETFs as collateral for raising loans. By allowing borrowers to use their investment securities as collateral, this type of lending offers a flexible and efficient means of accessing liquidity without liquidating assets.

This approach has become increasingly popular among high-net-worth individuals, entrepreneurs, and businesses seeking alternative financing options.

Here are five lending platforms offering loans against securities in the UK: 

Assetz Capital is a British company that provides property-secured loans to businesses. It was established in 2012 as a peer-to-peer lender and has since become a popular UK originator and servicer of property finance loans for institutional private credit investors. Assetz Capital offers services for SME finance, bridging, and property development sectors. 

Empire Global Finance offers securities-backed lending (SBL) to help customers secure loans using investments as collateral. In exchange for a loan, customers can pledge liquid securities, such as bonds, equities, or investment funds, as collateral. If users are seeking funds without having to liquidate their investments, Empire Global helps them secure loans using securities as collateral through Securities-Backed Lending.

Enness is a global mortgage broker that works with hundreds of lenders to provide financing solutions. It also offers securities-backed lending to help borrowers unlock liquidity using their securities, such as portfolios, pre-IPO stocks, bonds, and non-listed stocks as collateral. The company has offices in London, Monaco, Dubai, Jersey, and Ibiza, and another is soon to open in Geneva.

LDN Private Clients offers securities-backed lending, a way to obtain loans using liquid assets like equities, bonds, and investments as collateral. This can be cost-effective compared to other types of borrowing, as interest rates are typically tied to the standard base rate plus a margin. The interest rate one receives depends on the securities portfolio, financial profile, and anticipated risk of the transaction. LDN Private Clients works with customers to understand their need for finance before arranging a facility to complement their wealth portfolio.

Platinum Global Bridging Finance offers securities-backed lending, which allows clients to release equity from their shares to use for investments or working capital. The company’s network of private lenders can release funds in as little as two weeks. Platinum Global Bridging Finance also offers stock loans and financing funding through its panel of loan providers.

ALSO READ: Global Lending Vendors & Landscape Report Q4 2023

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