How it works

A Volans facility is a portfolio-backed line of credit for wholesale investors. You work with your adviser; we provide the lending and global markets infrastructure behind them. Below is how it works in practice:

Who a Volans facility is for?

A Volans facility is typically available where:

  • You qualify as a wholesale client under Australian law

  • You work with a licensed adviser, platform, family office or wealth firm

  • You hold a meaningful investment portfolio in eligible assets

  • You’re comfortable discussing risk, leverage and market movements in a structured way

Your adviser will confirm whether you meet the wholesale criteria and whether a Volans facility is appropriate for you.

How your facility is structured

Your facility is built around your existing portfolio rather than starting from scratch.

  • You pledge your portfolio as collateral
    Eligible liquid assets – such as shares, bonds, ETFs and managed funds – are used as security.

  • We set Loan-to-Value Ratios (LVRs)
    Volans assesses the quality and diversification of your portfolio and applies LVRs to each asset or asset group. These LVRs determine how much you can borrow against your investments (in some cases up to around 80%, depending on the assets and overall risk).

  • A credit limit is agreed
    Taking into account your portfolio, objectives and risk appetite (via your adviser), we agree a facility limit and buffers.

  • You draw on the facility as needed
    The facility can then be used to:

    • Invest across global markets (27,000+ securities, 25+ currencies), or

    • Take cash out for larger liquidity needs, within agreed parameters.

Your adviser stays involved in how the facility is sized, structured and used.

How risk and margin are managed

Because your facility is secured against your portfolio, market movements matter.

  • Daily monitoring
    The value of your collateral and your outstanding loan are monitored on an ongoing basis against agreed LVRs and buffers.

  • When markets fall
    If markets move against your portfolio and your LVR rises towards the agreed limits, your adviser and Volans will review the position.

  • Margin calls
    If the LVR moves beyond agreed limits, a margin call may be made. You, usually via your adviser, may be asked to:

    • Add cash

    • Add additional eligible assets, or

    • Reduce the loan by repaying part of the balance or selling assets.

  • Asset sales as a last resort
    If margin calls are not met and markets move significantly against the portfolio, Volans may sell some or all of the collateral to reduce or repay the loan.
    This is a risk you should understand and discuss with your adviser before establishing a facility. The aim is to balance flexibility with clear, disciplined risk controls.

The typical customer journey

Working with your adviser, a Volans facility usually follows four stages:

  1. Conversation with your adviser
    You discuss whether borrowing against your portfolio fits your overall strategy, risk tolerance and liquidity needs.

  2. Assessment & structuring
    Your adviser shares portfolio information with Volans. We assess eligible assets, set proposed LVRs and structure the facility terms.

  3. Approval & documentation
    Once agreed, the facility is documented and put in place under the Volans framework. Your adviser remains your primary point of contact.

  4. Ongoing use & review
    You and your adviser decide when to draw, invest or take cash out. Volans monitors collateral and risk daily, and the facility is reviewed over time as markets and your circumstances evolve.

Next steps

If you think a portfolio-backed facility may be right for you: Speak with your adviser or wealth firm about Volans.

They can help you decide whether borrowing against your portfolio, investing globally or accessing liquidity through Volans is appropriate for your situation – and, if so, work with us to structure a facility with clarity and confidence.