When timing matters, selling assets or waiting on bank finance can come at a cost – in the form of time, tax and complexity. As a Sanlam Private Wealth client, you can use your equity portfolio as collateral to secure funding or short-term guarantees. It’s fast, flexible and competitively priced – designed to move at the pace of opportunity.
FLEXIBLE FUNDING FOR BUSINESS NEEDS
If you own a business, this facility offers a more cost-effective way to fund:
CONFIDENCE IN CONTINUITY
Your assets remain under the care of a team you trust.
THE ASSURANCE OF REAL-TIME PRICING
You are informed of your risk at all times, and we can react immediately to changes that may affect the value of the assets provided as collateral.
HIGHLY COMPETITIVE RATES
Our pricing is linked to the prime rate and benchmarked competitively. With no hidden fees – no origination, service or cancellation charges – your costs stay lean.
FLEXIBLE REPAYMENT TERMS
Interest is capitalised from day one, as long as you don’t breach a predetermined level. The loan can be repaid at any time (it is not locked in), without penalties.
EASY ADMINISTRATION
Our facility is simply structured as an addendum to your existing investment mandate.
You can use your investment portfolio – including JSE Top 100 stocks, select global investments, exchange-traded funds, unit trusts and bonds – as collateral. Offshore cash may also qualify. Retirement funds are excluded.
Loan values are based on portfolio diversification, liquidity and volatility. As long as your loan remains within the agreed limit, no additional collateral is required. If the loan value exceeds this threshold, additional assets may be requested.
The minimum portfolio required to act as collateral is R1 million. There is no requirement to service the loan. Interest is calculated daily and capitalised monthly.
Loan terms and rates are tailored to your portfolio’s size, the loan duration and collateral quality (for example, the concentration, liquidity and volatility of the instruments in your portfolio).
