Private Clients
Lombard Lending
Explore Empire’s Lombard Lending Solutions
Empire Global Finance offers Lombard Lending expertise designed to empower you and your business with flexible financial solutions that preserve your funds without the need to liquidate your investments. Lombard loans, available as fixed loans or agreed overdrafts, are granted against a pledge of various liquid assets such as cash, bonds, or investments, including property and cars.
Understanding Lombard Lending
In essence, Lombard loans utilise your investment portfolio as collateral, providing access to liquidity while retaining ownership and control of your assets. Similar to a mortgage for real estate, your assets serve as a guarantee for the loan, protecting the lender from risk. This mechanism ensures that if repayment is not met, the lender has recourse to sell the assets to recover the loan amount.
Benefits of Lombard Lending
Lombard loans offer several advantages, particularly for investors seeking greater liquidity without the need to sell their existing investments. Whether you’re pursuing investment opportunities or navigating volatile market conditions, Lombard loans provide a cost-effective and flexible financing solution. With maturities ranging from one week to 12 months and available in all major currencies, Lombard loans offer versatility to suit your specific financial needs.
Market Timing Flexibility
One of the key benefits of Lombard loans is the flexibility they offer in market timing. Instead of making rushed decisions based on market conditions, you can retain your investment positions during market downturns, avoiding the need to sell assets at unfavourable prices. This strategic flexibility allows you to maintain your investment strategy and capitalise on favourable market conditions over time.