Financial Instrument Investment
Unlock liquidity with your Financial Instruments
At Epiidosis, we offer a smart way to access the value of your investments. Secure quick and flexible loans by leveraging your listed stocks, debentures, bonds or any other financial asset as collateral, all while retaining ownership of your portfolio.
Financial Instrument Investment
Financial instruments (Listed Stocks, Bonds, Debentures, ETFs) investment is a method of raising and borrowing funds using financial assets as collateral.The underlying assets remain in its ownership. This can raise capital without selling assets outright.
Retain Portfolio Ownership
Preserve your investment strategy without selling your assets. Our financial instrument investments allow you to access immediate funds while keeping full ownership of your securities and financial assets.
Flexible Fund Utilization
Whether you're looking to make new investments, consolidate debt, or cover personal expenses, our solution offers the flexibility to meet your diverse financial needs.
Efficient and Competitive
Our streamlined process, combined with competitive rates, ensures that you can secure investment quickly and efficiently, with minimal impact on your existing investments.
What Makes Epiidosis Different
By using financial instruments, our team facilitates lending of funds. Our expertise in structured finance, asset management, and advisory services makes this possible. Here’s what makes us stand out
Tailored financial solutions
Tailored financial solutions
Global Reach and Local Expertise
Global Reach and Local Expertise
Asset Management and Advisory
Asset Management and Advisory
Client Education and Support
Client Education and Support
Our Process
Epiidosis Investments simplifies the investment process with a structured approach. From initial registration and documentation through fund deployment and project management, we ensure transparency and efficiency at every stage.
Fill out the online application form with your personal and financial details. Provide information about the stocks you wish to leverage as collateral.
Use Cases
Here are some specific use cases for lending funds against financial assets such as listed stocks, debentures, bonds, and ETFs in the context of obtaining investment while maintaining ownership
Listed Stocks
An institutional investor or high-net-worth individual has a substantial portfolio of listed stocks. They need liquidity for an investment but don’t want to sell their stocks, as they expect them to appreciate.
Epiidosis arranges a margin loan using the client’s listed stocks as collateral. The client can borrow a percentage of the portfolio’s value (loan-to-value ratio) and use the funds for their new investment. The client retains ownership of the stocks and benefits from capital appreciation or dividends. However, the client must manage the risk of a margin call if stock prices fall.
Structured Debenture investment
As part of its capital structure, a company issues debentures. For a strategic acquisition, the company needs additional funding.
Epiidosis structures an investment deal that uses its existing debentures as collateral. It allows the company to raise capital without selling assets or issuing more equity. The company continues to pay interest on the debentures and can focus on growth initiatives.
Bond Collateral for Corporate Loans
A corporation holds a portfolio of investment-grade bonds and needs capital to fund a large project without liquidating them.
As a solution, Epiidosis arranges a loan using the bonds as collateral. It retains ownership, earns interest income, and gains access to necessary funds. The company’s investment strategy is preserved while liquidity is provided.
ETF-Based Securities-Backed Lending
An investor holds a diversified portfolio of ETFs but needs cash to take advantage of an exciting investment opportunity.
A loan is arranged using ETFs as collateral by Epiidosis. ETFs track the returns of underlying indexes or assets, while providing the investor access to funds. The investor maintains diversified exposure and benefits from market performance.
Eligibility Criterion
By assessing the below criteria, Epiidosis ensures that it partners with clients who can manage the risks associated with financial instrument investment while maintaining ownership of their assets. Each investment product and client’s circumstances may require different requirements
Asset Quality
- Financial Instruments: Clients must have high-quality financial instruments, such as blue-chip stocks, investment-grade bonds, or stable ETFs. The instruments should be liquid and have a reliable market value.
- Collateral Value: The value of the financial instruments must meet or exceed a minimum threshold to be considered as collateral for investment. This might involve a minimum portfolio value or loan-to-value (LTV) ratio.
Creditworthiness
- Credit History: Epiidosis may require clients to have a strong credit history, with a record of timely payments and responsible credit usage. A high credit score could be essential for qualifying for favorable loan terms.
- Debt-to-Equity Ratio: For corporate clients, Epiidosis might assess the debt-to-equity ratio to ensure the company is not overly leveraged, which could pose a risk to loan repayment.
Financial Stability
- Financial Instruments: Clients must have high-quality financial instruments, such as blue-chip stocks, investment-grade bonds, or stable ETFs. The instruments should be liquid and have a reliable market value.
- Collateral Value: The value of the financial instruments must meet or exceed a minimum threshold to be considered as collateral for investment. This might involve a minimum portfolio value or loan-to-value (LTV) ratio.
Purpose of investment
- Use of Funds: The purpose of the investment should align with Epiidosis’s risk management and investment policies. investment for speculative or high-risk activities might not be eligible, while funds used for business expansion, strategic investments, or other low-risk activities might be favored.
Client Profile
- Credit History: Epiidosis may require clients to have a strong credit history, with a record of timely payments and responsible credit usage. A high credit score could be essential for qualifying for favorable loan terms.
- Debt-to-Equity Ratio: For corporate clients, Epiidosis might assess the debt-to-equity ratio to ensure the company is not overly leveraged, which could pose a risk to loan repayment.
Geographic and Regulatory Compliance
- Location: Epiidosis may have geographic restrictions, only offering services to clients in certain jurisdictions. Clients must comply with local regulations and provide necessary documentation.
- Regulatory Requirements: Clients must meet all regulatory requirements, including anti-money laundering (AML) and know your customer (KYC) checks. Proper identification and financial documentation are mandatory.
Relationship with Epiidosis
- Existing Clients: Clients with an existing relationship with Epiidosis, such as those who already use its investment or advisory services, might have easier access to investment options.
- Reputation: A client’s reputation and standing in the market could also be considered, especially for corporate clients.
Minimum Transaction Size
- Loan Amount: There may be a minimum loan or investment amount required to qualify for certain products. Smaller investment needs might not meet the threshold for Epiidosis’s offerings.
Documentation and Due Diligence
- Required Documentation: Clients must provide comprehensive documentation, including financial statements, asset valuations, and legal documents.
- Due Diligence: Epiidosis will conduct thorough due diligence to assess the risk associated with the client’s financial instruments and overall financial situation.
Fixed Terms and ROI
By assessing the below criteria, Epiidosis ensures that it partners with clients who can manage the risks associated with financial instrument investment while maintaining ownership of their assets. Each investment product and client’s circumstances may require different requirements
Competitive Rates
- Market-Linked: Interest rates are typically aligned with current market conditions, ensuring they are competitive relative to industry standards.
- Negotiated Terms: Rates can often be negotiated based on the borrower’s credit profile, the value of the collateral, and the overall loan terms
Flexibility in Rates
- Fixed vs. Variable: Epiidosis offers both fixed and variable interest rate options. Fixed rates provide stability with predictable payments, while variable rates can offer lower initial costs but may fluctuate with market conditions.
- Customizable Terms: The firm can tailor the rate structure to match your specific needs, including the loan term and repayment schedule
Impact of Collateral Quality
- Higher Quality Collateral: The higher quality or less volatile stocks can result in more favorable interest rates due to lower risk for the lender.
- Diversified Portfolios: Well-diversified stock portfolios may also qualify for better rates as they spread risk across various investments
Transparent Pricing
- No Hidden Fees: Epiidosis Investments is committed to transparency, providing clear information about interest rates and any associated fees, so you know exactly what to expect.
Additional Factors
- Borrower’s Financial Profile: Your credit history, financial stability, and overall borrowing profile can influence the interest rate you receive.
- Loan Size and Term: Larger loan amounts and longer terms might come with different rate structures, potentially impacting the interest rates offered.
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