What is a Volans loan?

A Volans loan lets you unlock liquidity from the assets you already own. Instead of selling your investments and disrupting your long-term plan, you use your cash and investment portfolio as collateral for a well-structured line of credit. Your portfolio stays invested in the market, while you access funds to invest in new opportunities, manage other obligations or simply take some money off the table.

• Borrow against what you already own
  Use eligible cash and investments as security for a portfolio-backed credit line.

• Keep your strategy intact
  Avoid forced sales, unnecessary tax events and interruptions to your long-term investment strategy.

• Turn invested wealth into usable liquidity
  Access funds to seize opportunities, diversify or take cash out, while your assets remain invested.

How does it work?

• You pledge your portfolio
  Eligible liquid assets – such as shares, bonds, ETFs or managed funds – are pledged as collateral for the loan.

• We set a Loan-to-Value Ratio (LVR)
  Volans assesses the quality and diversification of your portfolio and sets an LVR – in some cases allowing you to borrow up to 80% of its market value.

• You borrow without selling
  You draw a credit line against your portfolio instead of selling investments and realising gains.

• Your portfolio is monitored daily
  As markets move, the value of your collateral is monitored against agreed risk limits.

• Margin calls and asset sales manage risk
  If your portfolio falls too far, Volans may issue a margin call – and if it isn’t met, may sell assets to reduce or repay the loan.

Why borrow with Volans?

• Built for serious investors
  A lending framework designed around meaningful portfolios, not short-term speculation.

• Disciplined, institutional-style credit
  Structured LVRs, ongoing monitoring and clear risk rules – so you know where you stand.

• Freedom in how you use funds
  Invest into new ideas, diversify, refinance or take cash out – within agreed parameters.

• Works alongside your existing setup
  Designed to sit alongside your current structures and relationships, not replace them.

When does a Volans loan make sense?

• You want to access liquidity without selling core holdings.

• You see new opportunities but prefer to keep your existing portfolio in place.

• You’re looking to diversify or rebalance in a more capital-efficient way.

• You need cash for larger personal or investment decisions, and would rather fund them from your balance sheet than from unsecured borrowing.