Private Banking
Strategic Lending
Borrowing decisions belong within the wealth strategy, where liquidity, collateral, taxes, investment exposure, interest-rate risk, and repayment capacity can be evaluated together.
Our Perspective
Evaluate Capital Before Liquidating Assets
Galleon helps clients compare borrowing with asset sales and other sources of liquidity. We evaluate the effect of each alternative on the investment strategy, taxes, collateral, cash flow, estate plan, and financial flexibility, then coordinate with qualified banks, custodians, and lending specialists.
Decision Framework
Financing in the Context of Total Wealth
Securities-Based Liquidity
Assess whether borrowing against eligible marketable securities is appropriate relative to selling assets, realizing gains, or disrupting the investment strategy.
Residential and Real-Estate Financing
Compare mortgage and property-secured alternatives in relation to ownership structure, cash flow, liquidity, rates, and the broader balance sheet.
Capital Calls and Major Purchases
Coordinate financing for private-investment commitments, business needs, acquisitions, or significant expenditures with available cash and portfolio resources.
Risk and Repayment Analysis
Stress-test collateral values, variable rates, liquidity demands, maturity terms, covenants, and repayment sources before a facility is established.
Our Approach
Leverage Must Preserve Flexibility
Borrowing can create useful liquidity, but it also introduces interest expense, collateral risk, refinancing risk, and the possibility of forced asset sales. A sound decision defines the purpose, amount, duration, repayment source, and conditions under which the strategy should be reduced or terminated.
- 01Define the capital need
- 02Compare funding alternatives
- 03Stress-test the structure
- 04Coordinate lender execution
A More Complete View
Bring the Full Financial Picture Into Focus.
Important information: Galleon Wealth Management and Global Advisers, LLC are not banks and do not make loans. Lending products are provided by independent financial institutions under their own underwriting standards and terms. Borrowing against securities involves material risks, including collateral calls and forced liquidation.
