Lending and financing solutions

Most of us need additional liquidity at some point to cover short or medium-term needs. You may be exploring a new business opportunity or have your eye on your next property. Using your existing portfolio as collateral for a loan can keep interest costs down. Giving you a cost-effective solution as well as the flexibility you require.

Choose the best fit for convenient, attractively priced credit

  • Variable loan facility: Draw on this cash reserve as you need it, and pay it back in the knowledge that you will only pay interest on the amount of credit you’ve actually used
  • Fixed term advance: Take out a loan of a set amount for a specified period, fixing the interest rate for up to 24 months
  • Bank guarantee: Obtain an agreement that provides assurance to a selected third party should you fail to meet the stated conditions

Securing your borrowing against eligible investments in your portfolio means your interest charges may be significantly lower than with unsecured forms of borrowing. Collateral that we generally consider includes (but is not limited to) equities traded on major global stock markets, investment funds, corporate and government bonds and UBS cash deposits.

Further benefits for you

  • Keep your existing assets: Avoid having to sell any of your existing portfolio
  • Be flexible: Enjoy quick and simple access to funds
  • Tailor your borrowing: The loan amount, currency and timeframe are customised to your needs
  • Choose your currency: Our credit options are available in all major currencies
  • Pay interest on only what you borrow: Interest will be calculated on the daily loan balance and charged either every three months or six months, as agreed
  • Capitalize your interest: You may be able to add the interest to the loan
  • Enjoy full transparency: All costs are defined clearly up front so you know exactly where you stand

More information

Your structured lending solutions

In addition to Lombard loans primarily pledged against diversified portfolios, our structured lending facilities provide you with greater flexibility across a range of accepted collateral types, structures and conditions. UBS can also help you choose and implement structured lending facilities tailored to your needs and financial goals.

There is a wide range of collateral that might be used for structured lending:

Single stock positions:

Many entrepreneurs and senior executives have wealth tied up in single stock positions. UBS may lend against those positions to unlock short- to mid-term liquidity.

Concentrated equities, bonds or hedge fund portfolios:

Some investors hold bulk positions in equities, bonds and/or hedge funds. UBS offers tailored financing solutions to lend against those assets.

Private equity limited partnership interests:

Private equity fund investments typically have long investment horizons of several years and rarely have a secondary market. UBS may lend against your private equity fund investments to free up value for future capital calls, investment diversification strategies as well as general personal and corporate purposes.

Unlisted equity investments:

You may hold a substantial stake in an unlisted stock and have a plan to sell your holdings, fully or partially. UBS may lend against your strategic stakes in unlisted shares ahead of a liquidity event.

Additionally , UBS can provide extended financing solutions through

  • risk hedging strategies
  • loans with recourse to strong financial counterparties
  • complex credit structures

Risk considerations

The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested. Currency and interest rate changes can significantly reduce expected returns and asset values. If the value of your securities against which a loan is secured falls below a certain limit, you may be asked by UBS to provide additional collateral or to repay the loan in part or in full. If you are unable to meet this obligation UBS may liquidate some or all of the investments used to secure the loan.

We'd like to meet you

Come and see us so we can tell you more about what we can offer you.

The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested.

UBS does not give tax, legal or accounting advice and you should consult your independent adviser for specific advice before entering into or refraining from entering into any investment.

UBS AG, Jersey Branch is authorised and regulated by the Jersey Financial Services Commission for the conduct of banking, funds and investment business. UBS AG, Jersey Branch is a branch of UBS AG (a public company limited by shares incorporated in Switzerland whose registered offices are at Aeschenvorstadt 1, CH-4051, Basel and Bahnhofstrasse 45, CH-8001 Zurich) ("UBS"), with its principal place of business in Jersey at 1 IFC Jersey, St Helier, Jersey, JE2 3BX.