A credit line secured by the portfolio we already manage for you. Draw funds for property, business, or life's opportunities — while your investments stay in the market, compounding. Arranged by Hament through tier-one global lending partners.
Portfolio-backed lending lets you borrow against the market value of the securities in your account — global equities and bonds under Hament's management — instead of selling them. The portfolio is pledged as collateral; the lender extends a revolving line of credit sized as a percentage of its value.
Liquidity should empower your strategy, not interrupt it. Selling assets to raise cash means exiting positions you chose for the long term, potentially at a bad moment in the market cycle, and possibly crystallising taxable gains. Borrowing against the portfolio keeps the strategy intact while giving you cash within days.
Because the loan is secured by liquid, marketable securities, pricing is typically far below unsecured or consumer lending rates, and approval does not hinge on lengthy income underwriting.
Hament is not the lender. We structure the facility, put your collateral out to multiple banking partners and private-credit funds, negotiate the spread, loan-to-value and covenants on your behalf, and monitor the facility quarterly for the life of the loan.
Your capital stays invested through the borrowing period. Selling interrupts returns; a market recovery you're not invested in is a cost you never see on a statement.
The collateral does the talking. Facilities are typically approved and funded in days — no property valuations, no income-document marathon.
Revolving structure: draw only what you need, repay when it suits you, redraw later. Interest accrues only on the drawn balance, typically with no fixed amortisation schedule.
Borrowing is not a disposal. Depending on your jurisdiction and structure, drawing credit instead of selling may defer the crystallisation of taxable gains. We coordinate with your tax advisor.
Where leverage inside the portfolio is the actual goal, different instruments apply — speak to us and we will structure it properly.
Advance rates and pricing below reflect terms typical of leading global platforms as of August 2026. Your final terms are set in the lender's term sheet, which Hament negotiates on your behalf.
| Pledged collateral | Indicative advance rate |
|---|---|
| Cash & term deposits | |
| Developed-market government bonds | |
| Investment-grade corporate bonds | |
| Diversified global equities & ETFs | |
| Emerging & frontier-market equities | |
| Concentrated single-stock positions |
The advance rate is the share of an asset's market value a lender will extend as credit. More liquid, less volatile assets command higher rates. Lenders set and may revise advance rates and collateral eligibility at their discretion. Retirement-wrapper assets are generally not eligible.
| Facility size (USD) | Benchmark + spread | All-in rate* |
|---|---|---|
| Up to 250,000 | SOFR + 8.40% | 12.05% |
| 250,000 – 500,000 | SOFR + 7.90% | 11.55% |
| 500,000 – 1,000,000 | SOFR + 7.40% | 11.05% |
| 1,000,000 – 2,500,000 | SOFR + 6.90% | 10.55% |
| 2,500,000 and above | SOFR + 6.40% | 10.05% |
*Based on the Secured Overnight Financing Rate (SOFR) of 3.65% as of early August 2026. Rates are variable and move with the benchmark. Tiers mirror pricing published by leading global platforms; larger facilities and stronger collateral command tighter spreads. Facilities are available from TZS 10 million (≈ USD 3,800) for portfolios of TZS 100 million or more under Hament management. Hament's compensation — a flat project fee or a disclosed interest margin — is always agreed with you up front.
Enter your portfolio value and asset mix. The model applies the indicative advance rates above and shows your capacity, cost, and safety buffer in real time.
Educational estimate only — not an offer of credit. Assumes indicative advance rates shown above, a uniform market decline across all holdings, interest at the current indicative tier (SOFR 3.65% as of August 2026, variable), and no accrued interest added to the balance. The facility requires a portfolio of at least TZS 100 million under Hament management, with a minimum draw of TZS 10 million. Pricing tiers are defined in US dollars; TZS figures are shown at the indicative exchange rate you set (default 2,642 TZS per USD, early August 2026) and carry additional exchange-rate risk. Actual capacity, pricing and maintenance triggers are set by the lender's term sheet and can change with markets. Borrowing against securities involves significant risk, including forced sale of pledged assets — see the risks section below.
We assess your liquidity goal, timing, currency, and the right leverage level for your broader wealth plan.
Your collateral profile goes to multiple lending partners. We compare spreads, LTVs, and covenants side by side.
You sign the facility and pledge agreements; the portfolio account is flagged as collateral with the custodian.
Funds are wired to your account — typically within days of approval. Interest accrues only on what you draw.
Quarterly covenant checks, collateral revaluation, early-warning alerts, and refinancing recommendations as markets move.
Pledging securities as loan collateral involves a high degree of risk. We would rather you understand these mechanics before borrowing than discover them after.
Book a confidential consultation with our credit desk. We'll assess your borrowing capacity, compare terms across our lending partners, and structure a facility that serves your wealth plan — not the other way around.