Credit & financing

You may be looking to fund a major purchase, invest in a new business, refinance debt or secure the right financing arrangement to suit your needs. Whatever your goals, we can provide a variety of customised credit and financing solutions around your immediate and longer-term objectives, delivered through your wealth manager in conjunction with one of our dedicated credit specialists.

Purchasing a property

We offer real estate financing for residential and commercial property in select prime locations within the United Kingdom, France or Switzerland. Our credit specialists will work closely with you to ensure you receive a tailored solution based on your individual objectives.

Refinancing existing debt

As an individual with an extensive financial portfolio, you may find you need to restructure existing debt in order to create value. We offer a wide range of flexible credit solutions through secured term loans and revolving lines of credit available in sterling, euros, U.S. or Canadian dollars and other major currencies.

Managing unexpected costs

Should you find yourself suddenly faced with a large unexpected cost, our credit specialists can work with you and your wealth manager to identify how to best use your wealth to structure a personalised credit solution to meet your unanticipated needs.

Investments of passion

We can work with you to establish the most efficient and beneficial means of using your existing wealth by creating a customised credit solution to purchase an investment of passion – from yachts and private aircraft to collectibles such as art.

Financing business opportunities

Whether you’re looking to expand your business, raise working capital or invest in new opportunities, we’ll work with you and your advisors to provide flexible credit options to help you achieve your goals.

Financing through intellectual property

Intellectual property rights can potentially be used as loan collateral. Offered exclusively as part of a wider wealth management service, we can offer eligible borrowers committed multi-currency term loans.

Financing through offshore life insurance bonds

Offshore life insurance bonds can offer numerous financial benefits, including the potential to gain access to financing. This means that as an owner of such a bond you may be able to use its value to facilitate a significant purchase, such as a new home, school or university fees or an investment of passion such as a boat, plane or piece of art. Subject to eligibility, we can lend against offshore life insurance bonds on an annual uncommitted basis.

Learn more about our credit products

Revolving Lines of credit

Lines of credit can be used for a range of financing purposes, from liquidity management and portfolio leverage to debt refinancing and risk management. We can offer multi-currency lines of credit secured by cash, investments or by other forms of collateral, and can denominate loans and collateral in different currencies.

Committed loans and uncommitted tenors

Credit facilities can be offered on both a committed and an uncommitted basis, with the former being more suited to longer-term arrangements and the latter to one-off or shorter-term needs. As with our other credit solutions, these are available in major currencies and can be secured by various types of collateral.

Standby letters of credit and guarantees

In certain circumstances, we can offer standby letters of credit, which provide a bank guarantee of payment to a third party on your behalf. As with other solutions, suitable collateral will be required, with an appropriately assigned lending value.


It is important to note that the capital value of, and income from, any investment may go down as well as up and you may not get back the full amount invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

**Please note: The solutions and products referenced may not be available in your specific geographical region.

World's 5th Largest Wealth Manager By Assets

Scorpio Partnership's Global Private Banking Benchmark Report 2017


Best Performing Private Bank

Global Private Banking Awards 2017 presented by PWM and The Banker


Best Private Banking Services Overall

2016 Euromoney Private Banking and Wealth Management Survey


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