Strategic Liquidity Through Securities-Backed Financing

The client held a well-performing global investment portfolio but faced a time-sensitive opportunity to acquire a commercial property in Dar es Salaam. Liquidating portfolio positions to fund the purchase would have triggered capital gains, disrupted the long-term investment strategy, and locked in losses on positions that were temporarily below cost basis. The client needed access to significant liquidity within a compressed timeframe, without selling investments or compromising the existing wealth plan.

Hament structured a securities-backed credit facility that delivered the required liquidity while preserving the client's portfolio and long-term strategy.

• Collateral assessment and structuring — We evaluated the portfolio's eligibility as collateral, identifying the optimal subset of liquid holdings that would secure favourable lending terms without requiring the client to pledge the entire portfolio.
• Lender sourcing and negotiation — We approached multiple international banking partners and negotiated competitive margin rates, flexible draw schedules, and borrower-friendly covenants on the client's behalf.
• Integrated risk monitoring — The credit facility was stress-tested against the portfolio to ensure that even in a significant market drawdown, collateral coverage remained comfortable and no forced liquidation would be triggered.
• Drawdown and acquisition execution — Funds were made available within the required timeline, enabling the client to complete the property acquisition without disruption to the investment portfolio.
• Repayment and exit planning — A structured repayment schedule was designed around expected rental income from the new property, with a clear refinancing strategy at maturity to avoid capital strain.

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