Unlock Liquidity from Your Enterprise
Patrimonio Merchant Bankers, in strategic partnership with AQS International Wealth Management, provides sophisticated Lombard lending solutions through our Luxembourg-regulated fund structure. Together, we enable business owners to access up to 50% of their company's certified valuation at institutional rates.
How We Unlock Your Corporate Value
Our Luxembourg-regulated fund structure provides a secure, transparent pathway from your corporate assets to immediate liquidity. This diagram illustrates the complete flow of agreements, capital, and security arrangements that protect all parties while maximizing your borrowing capacity.
Asset Contribution
Your HoldCo (containing real estate, corporations, and other assets) transfers shares to the Luxembourg Fund structure. Independent auditors verify the total valuation.
Fund Structure
The Luxembourg Fund holds your shares within a regulated, tax-efficient structure. You and other Limited Partners maintain ownership while enabling the collateral pledge.
Loan Disbursement
The fund pledges shares as collateral to the Bank. In return, you receive up to 50% of the total valuation as cash at competitive rates (4% EUR / 5% USD).
Comprehensive Corporate Liquidity Solutions
Patrimonio Merchant Bankers, in exclusive partnership with AQS International Wealth Management, offers a suite of sophisticated financial services designed specifically for high-net-worth business owners and corporate entities seeking to unlock the latent value within their enterprises.
Europe's Premier Financial Jurisdiction
Luxembourg is not merely a tax-efficient jurisdiction—it is the gold standard for sophisticated financial structuring. As home to the European Investment Bank and the European Court of Justice, Luxembourg offers unmatched credibility and regulatory sophistication.
Premier Regulatory Framework
Luxembourg's Commission de Surveillance du Secteur Financier (CSSF) provides world-class financial oversight, ensuring all transactions meet the highest international standards.
International Recognition
As a founding member of the EU and home to major European institutions, Luxembourg-structured loans are recognized and respected by financial institutions worldwide.
Legal Certainty
Luxembourg's sophisticated legal framework, based on civil law tradition with strong Anglo-American influences, provides exceptional clarity for complex financial arrangements.
Key Advantages
Patrimonio & AQS International
Our exclusive partnership with AQS International Wealth Management combines Patrimonio Merchant Bankers's deep expertise in corporate Lombard lending with AQS's global wealth management capabilities and institutional relationships.
Patrimonio Merchant Bankers
Specializing in sophisticated corporate lending solutions, Patrimonio brings decades of experience in structuring complex financial arrangements for high-net-worth individuals and corporate entities. Our Luxembourg-based operations ensure regulatory compliance and optimal structuring for each transaction.
AQS International Wealth Management
AQS International provides comprehensive wealth management services across multiple jurisdictions, bringing established relationships with premier banking institutions, family offices, and institutional investors. Their global network ensures seamless execution and ongoing client support.
Frequently Asked Questions
We understand that corporate Lombard lending is a sophisticated financial solution that may be unfamiliar to many business owners. Below, we address the most common questions to help you understand how this solution can benefit your enterprise.
Begin Your Consultation
Our team of specialists is ready to discuss your unique situation and design a tailored Lombard lending solution. Complete the form below or contact us directly.
2 Boulevard Royal, L-2449 Luxembourg