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Securities Based Lending

Securities Based Lending is the ideal vehicle for getting quick access to funds - without having to liquidate securities. If you are looking to expand your investment portfolio to include an additional investment portfolio, finance new business opportunities or invest in real estate, our Securities Based Lending solution gives you direct access to funds.

This innovative solution is unique as it allows you to borrow against your investment portfolio without having to liquidate your securities, which means that you are never out the market.

Determining your individual lending needs

We review your portfolio alongside your credit profile to determine a facility amount that is realistic, manageable and tailored to your borrowing profile. When determining your facility size, we consider a number of factors including:

  • The liquidity and diversity of your stocks
  • The market value of your portfolio
  • Your ability to make consistent repayments the maximum loan amount you can qualify for will depend on how well your portfolio is diversified.

Portfolio diversification

Single counter portfolio consisting of non-Top 40 shares

Up to 30%

Single counter portfolio consisting of Top 40 shares

Up to 50%

Balanced portfolio

Up to 50% provided

  • there are a minimum of five counters
  • no counter has more than a 25% weighting
  • No more than 70% of the counters are in one industry

Assets that may be used as security

The following movable assets may be used as collateral when accessing our Securities Based Lending solution:

  • Cash
  • listed shares
  • Unit trusts
  • Local cash investments
  • Preferential shares
  • Exchange traded funds (ETFs)
  • Real estate investment trusts (REITs)
  • Unlisted shares (these will be evaluated to determine acceptability)
  • Offshore investments (evaluated per client in order to determine acceptability)
  • Government bonds
  • Guarantees

Contact us for more information

As an RMB Private Bank client, you can use a channel that best suits your needs in order to apply for this innovative and customised solution:

  • call your Private Banker directly
  • contact the Service Suite on 087 575 9411 available 24 hours a day 7 days a week
  • visit www.rmbprivatebank.com
  • download the RMB Private Bank app

Click here for information

 
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