A family office sought capital to co-invest in a strategic business acquisition while preserving exposure to long-held equity positions. Their goal was to access liquidity from a portfolio including blue-chip equities and government bonds without selling or restructuring core holdings.
We undertook a detailed analysis of concentration risk within the portfolio, identifying a strong bond allocation that helped reduce overall risk profile and improve advance rate potential. Working closely with international private banks, we developed a lending structure that combined two separate custody accounts into a single facility to maximise borrowing power while simplifying lender oversight.
Million Plus Private Finance secured a £7.5m Lombard loan with a flexible repayment profile, interest-only for the duration of the investment horizon. Margin call triggers were negotiated proactively, providing the family office with resilience against moderate market volatility and ensuring long-term financing stability.
The business acquisition completed successfully, and because no assets were sold, the family retained dividend income and continued benefiting from market growth. The loan structure aligned seamlessly with the client’s strategic investment objectives and family governance framework.
