Lending and financing solutions

• 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.

• 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
  

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