Credit and Lending

We believe it is essential to manage credit and debt in a thoughtful, strategicand highly controlled fashion and this is where we seek to add material value for our clients.

Many clients see one of the benefits of having accumulate wealth being never having to borrow again. Others however consider debt to be a valuable tool to be utilised either tactically or strategically.

Within Artorius we have many people with many years of experience working for banks - we speak ‘bank speak’. Selecting a lender is more than about just finding the cheapest rate (which is not to say that we don’t push for the sharpest terms!).

Lending by numbers’ can lead to repossessing by numbers...you need a lender that will stand by your facilities in bad as well as in good times. Often this is driven by how the debt is structured and positioned, as well as the context within which it is taken out. We specialise in ensuring that debt adds, rather than detracts value, and becomes an enabler rather than a burden.

Our clients borrow for varied reasons (and you can find examples in our case studies) but can be summarised as cashflow management, currency hedging, tax efficiency and gearing. In many instances (for example currency hedging) the debt can be used to reduce risk materially rather than increase it. We have a large panel of institutions from whom we source credit which allows us to arrange mortgages and bridging finance (UK and overseas) for our clients and their family members. In addition we can negotiate and secure on behalf of our client non-property debt secured on assets such as investments, classic cars or fine art. For clients who still are actively invested in companies, we also can support you in securing corporate lending.