Monivolt
Capital when you need it.
Capital when you need it.
Liquidity your way. Access capital and earn yield on existing investments while maintaining your assets and long-term investment strategy.
Monivolt
Capital when you need it.
Capital when you need it.
Liquidity your way. Access capital and earn yield on existing investments while maintaining your assets and long-term investment strategy.
A New Way to Borrow and Invest
Access liquidity from your portfolio with securities- backed loans and alternative credit.
You can borrow at competitive rates against your existing investments, including equities, bonds, or alternative credit without having to liquidate any of your portfolio. Some common use cases include:
You can borrow at competitive rates against your existing investments, including equities, bonds, or alternative credit without having to liquidate any of your portfolio. Some common use cases include:
Business investments
Injection of working capital
Bridge capital
Real estate purchase
Tax obligations
Refinancing of unsecured loans
Specialty purchases
Business investments
A New Way to Borrow
and Invest
and Invest
Access liquidity from your portfolio with securities-backed loans and alternative credit.
You can borrow at competitive rates against your existing investments, including equities, bonds, or alternative credit, without having to liquidate any of your portfolio. Some common use cases include:
Bridge capital
Tax obligations
Specialty purchases
Injection of working capital
Real estate purchase
Refinancing of unsecured loans
Business investments
A New Way to Borrow and Invest
Access liquidity from your portfolio with securities-backed loans and alternative credit.
You can borrow at competitive rates against your existing investments, including equities, bonds, or alternative credit without having to liquidate any of your portfolio. Some common use cases include:
Bridge capital
Specialty purchases
Injection of working capital
Tax obligations
Real estate purchase
Refinancing of unsecured loans
Benefits
- Efficient access to capitalFunds are available in 1 day+ and your investment portfolio remains intact. There is no need to liquidate positions, pay capital gains and lose potential upside and dividends to obtain the liquidity you need.
- EconomicalNo hidden commissions or charges. Pay interest monthly. Principal amount is only due at the end. The loan structure and collateral are tailored to your needs.
- Transparency24/7 live, direct access to your loan portfolios, account, collateral value, interest and more. Instantly control any decisions regarding your collateral without any impact on your credit score.
- Fully digital experienceAll set-up and onboarding are done virtually. There is no need to present physical documents or apply on-site at a location. There will still always be an advisor available to talk to throughout the whole life of the loan.
Who it’s for
High-net-worth Individuals
With a minimum annual income £150,000 and/or maintained a balance of assets throughout the year with a minimum total value of £500,000
Businesses
Such as corporates, partnerships, family offices, investment funds, private equity or family businesses
Types of collateral supported
Choose a loan based on the type of assets you hold.
- Equities-backed LoansStocks, exchange traded REIT shares, ETFs, or other liquid assets
- Bonds-backed LoansTraded bonds, treasuries, or other fixed income instruments
- Alternative Credit &
Private DebtLess liquid or illiquid collateral, such as fixed assets, investments in mutual funds, private equity, or other assets
If you are unsure about whether your collateral qualifies, get in touch with our team, who is happy to assist you and talk through your specific circumstances.
How it works
1
Application is submitted
Submit your application in 15 minutes or less all through our online system.
2
Collateral is assessed
We review your collateral using our advanced investment management algorithm to package the best terms.
3
Term sheet is sent
We send you the term sheet. Turnaround time is typically 1-3 days.
4
Agreements are reviewed and signed
Once you have reviewed the agreement, sign and return it to us. There are no hidden fees, and all the terms are clearly outlined on the first few pages.
5
Cash received
Funds are deposited directly to your account via bank transfer.
Example Savings
Below illustrates examples of the potential savings from borrowing $4m with Monivolt versus liquidating the same amount from a $10m investment portfolio.
Example 1:
Additional Portfolio Yield
Additional Portfolio Yield
Assuming the borrower is located in a tax-free country, using Monivolt can generate an additional 2.4% or $240,000 return on the portfolio per year.
Show details
Borrower is located in the tax-free country
Liquidating $4m from Portfolio
Borrowing with Monivolt
Size of investment portfolio
$10,000,000
$10,000,000
Liquidated share of portfolio
$4,000,000
$0
Remaining portfolio
$6,000,000
$10,000,000
Portfolio return - including net dividends
$720,000
$1,200,000
Amount borrowed
$0
$4,000,000
Cost of loan
$0
-$240,000
Net portfolio return
$720,000
$960,000
Additional return from using loan
$240,000
Additional return on portfolio
2.4%
Show details
Borrower is located in the tax-free country
Liquidating $4m from Portfolio
Borrowing with Monivolt
Size of investment portfolio
$10m
$10m
Liquidated share of portfolio
$4m
$0
Remaining portfolio
$6m
$10m
Portfolio return - including net dividends
$720k
$1.2m
Amount borrowed
$0
$4m
Cost of loan
$0
-$240k
Net portfolio return
$720k
$960k
Additional return from using loan
$240k
Additional return on portfolio
2.4%
Example 2:
Capital Gains and Tax Savings
Capital Gains and Tax Savings
From a capital gains and tax perspective, assuming a 20% tax rate, the borrower can anticipate an additional 2.9% or $288,000 return on the portfolio per year.
Show details
Capital gain and income tax rates are 20%
Liquidating $4m from Portfolio
Borrowing with Monivolt
Size of investment portfolio
$10,000,000
$10,000,000
Liquidated share of portfolio
$4,000,000
$0
Capital gain tax (assume the portflio accumulated return is 2x)
-$400,000
$0
Capital available to use
$3,600,000
$0
Remaining portfolio
$6,000,000
$10,000,000
Portfolio return -including net dividends
$720,000
$1,200,000
Borrowed amount / cash available to use
$4,000,000
Loan cost
$0
-$240,000
Tax arbitrage on deducting Loan cost form your profit
$48,000
Net loan cost
-$192,000
Net portfolio return
$720,000
$1,008,000
Additional return from using loan
$288,000
Additional return on portfolio
2.9%
Show details
Capital gain and income tax rates are 20%
Liquidating $4m from Portfolio
Borrowing with Monivolt
Size of investment portfolio
$10m
$10m
Liquidated share of portfolio
$4m
$0
Capital gain tax (assume the portflio accumulated return is 2x)
-$400k
$0
Capital available to use
$3.6m
$0
Remaining portfolio
$6m
$10m
Portfolio return -including net dividends
$720k
$1.2m
Borrowed amount / cash available to use
$4m
Loan cost
$0
-$240k
Tax arbitrage on deducting Loan cost form your profit
$48k
Net loan cost
-$192k
Net portfolio return
$720k
$1.008m
Additional return from using loan
$288k
Additional return on portfolio
2.9%
Example 3:
Comparison of Cash Available and Taxes
Comparison of Cash Available and Taxes
By using leverage, you benefit from a lower net payout and having more cash available while your portfolio generates additional returns.
Show details
Comparing two cases for tax purposes and cash availability
Liquidating $4m from Portfolio
Borrowing with Monivolt
Capital available to use
$3,600,000
$4,000,000
Taxes to be paid or optimised via tax arbitrage on deducting Loan cost form your profit
-$400,000
$48,000
Interest paid
$0
-$240,000
Net payout
-$400,000
-$192,000
Additional return on portfolio
$0
2.9%
Show details
Comparing two cases for tax purposes and cash availability
Liquidating $4m from Portfolio
Borrowing with Monivolt
Capital available to use
$3.6m
$4m
Taxes to be paid or optimised via tax arbitrage on deducting Loan cost form your profit
-$400k
$48k
Interest paid
$0
-$240k
Net payout
-$400k
-$192k
Additional return on portfolio
$0
2.9%
Your partner for investing
For those looking to invest, we have created a well- diversified lending portfolio of pooled investments and private debt deals. Allocate capital on your terms and earn a stable yield.
For further information, click the 'Invest with Us' button below and our team will get back to you shortly with more details.
For further information, click the 'Invest with Us' button below and our team will get back to you shortly with more details.
Why Monivolt
- Bespoke GuidanceOur expert team works with you to understand your needs and provide customised solutions on the optimal way to structure your financing, investments, and deal capital.
- Flexible Collateral OptionsWe offer the ability to borrow against non-traditional assets, such as private assets, less-liquid stocks, or companies with low market caps.
- Cutting-edge TechnologyBridging the gap between traditional finance and fintech, we’re using state-of-the-art technology to build the future of finance.
- FCA RegisteredMonivolt is registered by the Financial Conduct Authority under the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017.
- Proprietary Risk ManagementOur unique risk management system delivers 24/7 dynamic intelligence on volatile markets. With Monivolt, you can take informed actions to safeguard your critical assets.
- PartnershipsWith strong relationships across the financial industry, we connect you to the right banks, funds, custodians, and exchanges to keep your assets safe.
Invest with us
We will get back to you shortly with more details
Get in touch
Monivolt Ltd (No. 13780678) is registered by the Financial Conduct Authority under the Money
Laundering, Terrorist Financing and Transfer of Funds Regulations 2017 (Firm Reference: 979848).
Monivolt Ltd is a company registered in England and Wales (No. 13780678).
Monivolt Ltd registered address is One Canada Square, London, United Kingdom, E14 5AA.
Monivolt is a trademark of Monivolt Ltd, registered in the United Kingdom.