Specialized Asset Finance Advisory

Significant wealth is often held in assets that do not sit neatly in a portfolio: an aircraft, a fine art collection, a stake in a private company, a music catalogue. Specialized asset finance uses the value of those assets as collateral, allowing clients to raise capital at short notice without selling what they own. Zentrix Global advises on the right structure and arranges each facility through our network of regulated partner lenders.

What is asset finance?

Asset finance means borrowing against the current value of assets a client already owns, rather than going through the lengthy analysis that traditional financing usually requires. It can fund a new investment, bridge a temporary shortfall, or provide working capital until other assets can be realized.

It differs from asset-based financing, where a new asset is acquired with a deposit and paid off over time. Asset finance raises funding from what is already owned, while asset-based financing is a way to buy something new.

Why consider it?

Versatility

Capital can be raised quickly for projects of varying size, without being tied to a fixed loan amount.

Short term flexibility

Short term needs can be covered without disrupting wider finances, allowing time to arrange longer term funding.

Limited effect on cash flow

Borrowing against what is owned, rather than drawing on cash, keeps the effect on day to day cash flow to a minimum.

Room for opportunity

Unforeseen opportunities can be pursued without changing established growth plans.

Assets we work with

Aircraft

Financing for business and private jets, or raising liquidity against an aircraft already owned.

Superyachts

Financing to purchase or build a yacht, or to unlock liquidity in one already owned.

Fine art

Art-secured lending structured around a collection, unlocking liquidity without selling the works.

Commercial real estate

Financing for multifamily, multi-tenant office, retail, warehouse, and mixed use properties.

Hedge fund portfolios

A diversified hedge fund portfolio can serve as eligible collateral for financing.

Private equity positions

Liquidity assessed against private equity positions on a case by case basis.

Intellectual property

Monetizing music copyrights and future royalty income, to refinance debt, acquire catalogues, or fund working capital.

Life insurance policies

Premium financing that uses a policy's cash surrender value to help cover the cost of premiums.

Sports teams

Financing solutions for team owners and investors.

Each asset class carries its own valuation, legal, and insurance considerations. We coordinate with the partner lender and the specialists each transaction requires, simplifying what can often be a complex process.

Speak with an expert

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Remember

Zentrix Global LTD. acts as a structuring arranger and independent adviser. It is not a bank, deposit-taking institution, investment fund or securities broker. Zentrix Global LTD. does not itself extend credit or hold collateral; lending facilities are arranged through regulated partner lenders.

Suspected fraud, prior exposure to it, or an unverified transaction? Contact our Transaction Risk Assessment team.

Risk Warning

Risks of secured and structured lending

Leverage magnifies both the potential benefits and the potential losses associated with an asset.

Interest Rate Risk: Interest remains payable on the loan balance regardless of whether income from the pledged asset is sufficient to cover it.
Repayment Risk: The loan remains repayable in full even if the value of the pledged asset is insufficient, and any shortfall may need to be met from other resources.
Collateral Risk: Where minimum collateral values apply, additional collateral may be required, or the loan may need to be repaid, if the collateral's value decreases beyond specified levels.
Valuation Risk: The value of the pledged asset may fall, and the amount of interest payable may increase.
Asset Risk: Where a loan is secured against an aircraft, yacht, artwork, or other asset, failure to keep up repayments may result in the asset being repossessed.

The risk factors listed above are not exhaustive. Always ask for the product specific documentation for full details and risk disclosures.

Legal Information

This is a marketing communication from Zentrix Global, which is the main advisory business within the Zentrix Global Group. Advisory services are delivered by various Zentrix Global companies around the world, depending on local laws and regulations. The services described in this document may be provided by different Zentrix Global entities, and members of the Zentrix Global Group may also trade in the products mentioned here.

This document is not independent investment research under the European Markets in Financial Instruments Directive ("MiFID") or other relevant regulations and is not subject to restrictions on dealing ahead of its distribution. This means Zentrix Global and its staff may have an interest in the products or services mentioned before this document is shared with you.

The information in this document is for general information only and is intended for Zentrix Global clients. It does not constitute, and should not be construed as, legal, tax or investment advice, or a solicitation, offer, or recommendation to buy or sell any financial products or services.

Some Zentrix Global Group offices may act only as representatives of Zentrix Global and are not permitted to sell products, provide services, or offer advice to customers. Not all products or services are available in all jurisdictions.

Before proceeding, please refer to the full long macro disclaimer and the Terms and Conditions available at our website, which provide further important information about the use of this material.