Where Institutional Wealth Takes Shape
Independent, multi-bank credit and asset services connecting Australian capital to the world
Australians have become more globally minded
Over the past decade, sophisticated Australians have taken their wealth well beyond the local market.
Founders and major shareholders hold positions across multiple exchanges and jurisdictions.
Families and wholesale investors build global, multi-custodian portfolios.
Platforms, brokers and advisers are asked to oversee assets that sit in many places at once.
Volans exists to solve for this complexity – providing institutional-grade credit and asset services that sit alongside banks, platforms and advisers, so global wealth can be managed in a more coherent way.
Who we work with
Designed for sophisticated, professionally guided wealth
We onboard clients directly and apply institutional KYC, AML and risk standards. Most relationships begin via a broker, adviser, accountant, platform or existing client – but the facility and risk sit with us.
Tiles/cards:
Founders & major shareholders
Liquidity, diversification and risk management solutions for large listed holdings and last remaining blocks.
Ultra-high-net-worth & wholesale investors
Portfolio-backed credit and global asset services for individuals and entities that meet wholesale and professional investor tests.
Family investment structures
Companies, trusts, SMSFs and family entities with multi-jurisdiction portfolios and defined governance.
Curated HNW platform segments
Discreet programs that help platforms support clients with on- and off-platform assets, while preserving oversight and economics.
We do not engage in mass-market retail distribution
Situations we solve
What we do
The rails behind modern institutional wealth
Volans acts as a specialist credit and asset-services institution beneath sophisticated portfolios. We don’t replace your strategy – we make it executable.
Three pillars:
1. Portfolio-Secured Credit
Credit lines secured against diversified portfolios and, where appropriate, concentrated holdings.
AUD and multi-currency facilities for founders, families and investment entities.
Structured to give clients controlled access to cash, without forced asset sales.
2. Asset Services & Reporting
Custody and governance solutions for complex, multi-entity wealth.
Front-to-back processing, reconciliations and corporate actions.
Consolidated reporting so platforms, advisers and auditors can see and supervise off-platform assets.
3. Global Markets Infrastructure
Rails to access global equities, ETFs, bonds and listed derivatives.
FX and funding solutions aligned to client currency and risk settings.
A single, coherent framework sitting beneath multiple banks, brokers and platforms.
How we’re funded & how risk works
Section heading:
We underwrite. We stand behind every facility.
Body copy:
Volans behaves like a specialist institutional lender:
Lender of record. Clients and entities contract with Volans. We underwrite and document every facility.
Multi-bank funding. Facilities are supported by a panel of institutional banks, but risk selection and monitoring sit with us.
Defined collateral and LVRs. We apply conservative, risk-based LVRs by asset and portfolio, reflecting liquidity, volatility and concentration.
Continuous monitoring. Portfolios and limits are monitored on an ongoing basis, with clear margin triggers and cure periods agreed upfront.
Short line:
For clients, platforms and advisers there is one lender, one framework – backed by multiple sources of institutional capital.
Fold 7 – Working with brokers, advisers and platforms
Section heading:
A credit institution professionals can plug into.
Body copy:
We recognise that many opportunities are identified first by brokers, advisers, accountants and platforms. Our role is to support those relationships, not compete with them.
You identify the opportunity and introduce the client; we onboard and underwrite directly.
We do not present ourselves as their primary financial planner or mass-market wealth manager.
We provide data and reporting feeds so advisers and platforms can retain oversight, manage risk and maintain appropriate fee structures on global, off-platform assets.
We help solve the hard problems – concentrated holdings, global portfolios, cross-currency liquidity – while keeping existing professional relationships at the centre.
Short line:
We are the credit and infrastructure layer behind your best clients.
Fold 8 – Governance, compliance and AML
Section heading:
Built for scrutiny from day one.
Body copy:
Our model is designed so banks, platforms, AUSTRAC and ASIC can take comfort in how we operate.
Direct onboarding of every borrower and related entity – no uncontrolled distribution networks.
Risk-based KYC and AML, including source-of-wealth and source-of-funds assessments.
Sanctions and PEP screening, with enhanced due diligence where risk warrants it.
Documented credit, margin and collateral frameworks, suitable for audit and regulatory review.
Ongoing monitoring and reporting on exposures, breaches and suspicious activity.
Short line:
Compliance isn’t an add-on – it’s the foundation that allows our multi-bank model to exist.
Fold 9 – Eligibility & important information
Section heading:
Who Volans is for.
Body copy:
Volans is a non-bank, institutional-style lender and asset-services business. Our products and services are available only to:
Clients and entities who qualify as wholesale or professional investors under the Corporations Act 2001 (Cth); and
Platforms and professional firms that serve those clients.
We do not accept retail investors or mass-market distribution.
Then plug your formal AFSL / wholesale disclaimer block straight under this.
References
Fold 1 – Hero
Headline
The credit institution behind sophisticated Australian wealth.
Subheading
Volans underwrites portfolio-secured credit and asset services for wholesale investors, founders, family capital and global portfolios – giving Australians bank-grade liquidity and infrastructure without forcing assets into a single platform.
CTAs
Speak with our team
Download overview (wholesale only)
Small line under CTAs:
Available exclusively to wholesale and professional clients.
Fold 2 – Why we exist (distance + broken infrastructure)
Section heading
Australia is wealthy. Its infrastructure is not.
Body copy
Australian banks are strong – but the infrastructure around global portfolios, leverage and reporting is still third world.
Founders and major shareholders often end up trapped in single-stock or concentrated positions.
Sophisticated investors wanting cash out face blunt tools: sell, refinance the house, or do nothing.
As wealth globalises, platforms struggle with off-platform assets and lose economics when assets move.
Volans was built to fix this: multi-bank, institutional-grade rails that sit behind sophisticated Australian wealth.
Fold 3 – Situations we solve
Section heading
Where Volans fits in your world.
Intro
Most of our work starts in a specific problem – often brought to us by a broker, adviser, accountant or platform.
Cards / tiles:
Founders & single-stock positions
Large lines secured against listed concentrated positions or last remaining blocks
Structured to help diversify, manage risk or unlock liquidity over time
Cash out without dismantling the portfolio
Portfolio-backed credit lines for business, property, investment or lifestyle needs
Keep core positions intact while accessing cash in a controlled, monitored way
Global portfolios that don’t fit on one platform
Credit, custody and reporting for assets held across multiple local and offshore venues
Reconciled data feeds back to your advisers and platforms so they can still supervise and charge appropriately
Professional intermediaries who need a serious credit partner
Stockbrokers, private wealth teams and advisers introducing wholesale clients
Volans underwrites and onboards the client directly; you remain the primary relationship
Short line:
In every case, you face Volans as the lender – we simply place the risk across several institutional funding partners behind the scenes.
Fold 4 – How Volans works (you are the bank)
Section heading
We underwrite. We monitor. We stand behind every facility.
Body copy
Volans behaves like a specialist credit institution:
Single counterparty. Clients and entities contract with Volans; we underwrite every loan.
Multi-bank funding lines. Facilities are supported by several institutional lenders, but the relationship and credit decision sit with us.
Direct onboarding. We KYC and onboard every borrower and related entity directly – not through a loose distribution network.
Ongoing monitoring. Portfolios, limits and collateral are monitored continuously against agreed risk parameters.
The result is simple for clients and their advisers: one lender, one framework, multiple sources of institutional capital.
Fold 5 – For advisers, brokers and platforms (without looking like an EAM)
Section heading
A credit partner for professionals, not a competitor.
Body copy
Many relationships begin with a broker, adviser, accountant or platform identifying a need we can solve. We respect those relationships and don’t compete with them.
You introduce the client; we onboard and underwrite the facility directly.
We do not hold out as their planner or run mass-market retail campaigns.
We provide clean reporting feeds so advisers and platforms can see off-platform positions, supervise risk and charge appropriately.
Facilities can be structured so platforms retain their role as the hub for advice, while we handle the heavy lifting on leverage and custody.
Volans is the credit and infrastructure layer that professionals plug into when the local toolkit isn’t enough.
Fold 6 – Governance, KYC and AML (for banks, AUSTRAC & ASIC)
Section heading
Built to meet institutional scrutiny.
Body copy
Our funding partners, regulators and clients expect institutional discipline. We design for that from day one.
Direct, risk-based onboarding of every client and entity – including source-of-wealth and source-of-funds reviews.
Full KYC/AML framework aligned with AUSTRAC guidance, including sanctions screening, PEP checks and ongoing monitoring.
Clear governance and documentation around collateral, limits, covenants and margin practices.
Audit-ready records and reporting, so our processes stand up to review by banks, regulators and external auditors.
We don’t treat compliance as a box-tick. It’s what makes multi-bank funding – and long-term trust – possible.
Fold 7 – Global families & overseas structures (handled carefully)
Section heading
Global families, transparent structures.
Body copy
Increasingly, Australian families are setting up vehicles and offices offshore. That doesn’t make the underlying wealth any simpler.
We work with onshore and legitimate offshore structures, provided they meet our governance and transparency standards.
Our credit and custody frameworks are designed to co-exist with tax, reporting and regulatory obligations, not avoid them.
We can consolidate and report on multi-jurisdiction portfolios so families, advisers and auditors share the same view.
The focus is always the same: clear ownership, clear obligations, clear visibility.
Fold 8 – Eligibility & important information
Section heading
Who Volans is for.
Body copy (you can layer your formal disclaimer underneath):
Volans is a non-bank, institutional-style lender and asset-servicing business. Our products and services are available only to:
Clients and entities who qualify as wholesale or professional investors under the Corporations Act 2001 (Cth); and
Platforms and professional firms that serve those clients.
We do not accept retail investors or mass-market distribution.
References
How Volans is Funded & How Our Risk Framework Works
(For institutional counterparties, platforms and regulators)
1. Our role in the credit stack
Volans operates as a non-bank, institutional-style margin and portfolio-secured lender under the Australian Financial Services Licence of Glide Digital Pty Ltd (AFSL 537864).
In every facility:
Volans is the lender of record and primary underwriter.
Clients (or their entities) contract directly with Volans, not with our funding partners.We provide credit structuring, documentation, monitoring and margin management end-to-end.
Behind each facility sits a diversified panel of institutional funding partners. These banks fund our loan book under pre-agreed risk parameters, but do not face the end-client directly.
In practice, clients and platforms see one counterparty (Volans) and one set of credit rules, even though we may allocate risk across multiple banks in the background.
2. Funding architecture
2.1 Multi-bank funding model
Volans maintains committed and uncommitted facilities with a panel of institutional banks. These facilities:
Are governed by bilateral or multi-lender arrangements, with clearly defined:
Eligible collateral types
Maximum LVRs by asset and portfolio
Concentration and diversification limits
Margin and cure-period parameters
Allow Volans to draw funding against pledged collateral and on-lend to end-clients under our own documentation.
We deliberately avoid dependence on a single lender by:
Maintaining multiple lines with differentiated appetites (e.g. Australian large caps, global listed, funds, multi-currency, etc.).
Allocating transactions to the most appropriate facility based on collateral, jurisdiction, currency and tenor.
Keeping independent credit and risk oversight inside Volans rather than outsourcing to any one bank.
2.2 Volans as credit gatekeeper
While our banks define their risk appetite, Volans:
Screens, underwrites and approves each loan request.
Ensures each facility meets both bank criteria and Volans’ internal risk standards, which are often more conservative.
Monitors adherence to conditions on an ongoing, daily basis (where required).
This means our funding partners are not exposed to an uncontrolled distribution network. They are exposed to a curated, monitored book of wholesale borrowers intermediated through Volans.
3. Underwriting approach
3.1 Client eligibility
Volans only works with clients who meet wholesale / professional investor tests under the Corporations Act 2001 (Cth). Typical borrowers include:
Founders and major shareholders with large, concentrated listed positions
Ultra-high-net-worth and wholesale individuals with diversified portfolios
Family investment entities, companies, trusts and SMSFs that qualify as wholesale
Charities, foundations, corporates and special purpose vehicles with clear governance
We do not market to or onboard retail clients, nor do we operate an EAM-style mass adviser distribution model.
3.2 Credit assessment
Each facility is underwritten with a combination of:
Counterparty analysis
Legal structure, beneficial ownership, governance and decision-making
Source of wealth and source of funds
Income, liquidity and other bank relationships where relevant
Collateral and portfolio analysis
Asset type (equities, ETFs, managed funds, bonds, cash, etc.)
Market liquidity and depth
Historical and implied volatility, correlation and drawdown history
Concentration by single issuer, sector, region and currency
Transaction and purpose
Use of proceeds (e.g. business investment, diversification, liquidity, refinancing)
Alignment with client risk profile and mandate
Consistency with AML/CTF risk appetite
We maintain internal credit memoranda and approvals for each facility, with documentation suitable for audit and regulatory review.
4. Collateral framework & risk parameters
4.1 Eligible collateral
Our collateral universe is restricted to assets that can be reliably valued, monitored and, if necessary, liquidated. This typically includes:
Listed equities and ETFs on recognised exchanges
Selected managed funds with adequate transparency and liquidity
Investment-grade fixed income instruments
Cash and cash equivalents
Illiquid assets, complex structured products and opaque vehicles are either ineligible or subject to material additional haircuts and controls.
4.2 LVRs and haircuts
Loan-to-value ratios (LVRs) are set at:
The asset level (e.g. blue-chip vs small-cap, ETF vs single name), and
The portfolio level, after factoring in diversification, correlation and stress scenarios.
In general:
Highly liquid, diversified assets receive higher LVRs (lower haircuts).
Concentrated, volatile or less liquid assets receive lower LVRs (higher haircuts).
Single-stock or founder positions are treated conservatively, with:
Lower starting LVRs
Clear framework for diversification over time
Tightened margin and monitoring conditions
We regularly review LVRs and haircuts to reflect market conditions, volatility regimes and funding partner appetite.
5. Ongoing monitoring, margin and default management
5.1 Daily monitoring
We run daily mark-to-market and risk checks on all collateralised facilities, covering:
Portfolio value and LVR vs approved limits
Concentration and exposure breaches
FX exposures (where facilities are multi-currency)
Corporate actions, distributions and material news
Breach reports are escalated to risk, with clearly defined actions.
5.2 Margin triggers & process
Our documentation includes pre-agreed margin triggers and processes, typically including:
A warning level where we engage the client and adviser to rebalance, prepay or post additional collateral.
A margin call level, with defined:
Short cure periods appropriate to the asset and market liquidity
Acceptable forms of collateral and repayment
Communication protocols with the client and their adviser/professional team
If margin is not met within the agreed timeframe, Volans may:
Reduce or close positions in an orderly fashion, prioritising liquidity and market impact, or
Restructure the facility if warranted and within risk appetite.
Our aim is to be transparent and predictable, with no ambiguity around how margin is calculated or enforced.
6. Legal, security and custody arrangements
6.1 Security structure
We take formal security over collateral in accordance with Australian law and relevant foreign law where assets are held offshore. This may include:
Security interests registered on the PPSR or equivalent
Control agreements or other arrangements ensuring effective control over financial products
Where appropriate, charge or pledge structures compliant with funding partner requirements
6.2 Custody & control
Collateral may be:
Held with recognised custodians or platforms, or
Transferred to an account structure over which Volans has control for margin and enforcement purposes.
In either case, the segregation of client assets, clarity of title and enforceability of security are central design criteria.
7. AML/CTF, KYC and sanctions framework
Volans maintains an AML/CTF program aligned with AUSTRAC requirements, and is designed to meet the expectations of institutional funding partners and regulators.
Key components include:
Risk-based customer due diligence (CDD)
Verification of identity for all relevant parties (beneficial owners, directors, trustees, signatories)
Source of wealth and source of funds assessments
Risk scoring of each customer and transaction
Sanctions and PEP screening
Screening against major sanctions lists (e.g. UN, AU, US, EU, UK)
PEP detection and enhanced due diligence where required
Enhanced due diligence (EDD)
For higher-risk geographies, structures or transaction types
Additional documentation, approvals and ongoing review cycles
Ongoing monitoring
Transaction monitoring for unusual or suspicious activity
Periodic refresh of KYC for higher-risk clients and structures
Reporting
Suspicious matter reports (SMRs) and other AUSTRAC reports as required
Cooperation with funding partners’ compliance teams and regulators where appropriate
We do not support structures designed to conceal beneficial ownership or evade tax obligations. Legitimate offshore structures may be accepted only where transparency and compliance are maintained.
8. Interaction with advisers, brokers and platforms
We recognise that many clients come to Volans via stockbrokers, advisers, accountants and platforms, but we manage risk in a way that avoids the pitfalls seen in some historical EAM models:
Professional intermediaries generally act as introducers or advisers, not as distributors delegated with our AML/KYC.
Volans directly onboards the client, conducts KYC/AML and enters into the loan documentation.
We can provide reporting feeds back to platforms and advisers, allowing them to:
See off-platform positions funded by Volans
Supervise risk and suitability within their own frameworks
Maintain fee arrangements on overall client assets, even where custody is partially off-platform
This model allows:
Banks to take comfort that risk is concentrated and controlled within Volans, not dispersed through unmanaged intermediaries.
Advisers and platforms to maintain their primary role in advice and supervision.
Clients to receive bank-grade credit infrastructure without fragmenting their professional ecosystem.
9. Governance and oversight
To support our funding partners and regulators, Volans maintains:
Documented risk appetite statements for credit, market, liquidity and operational risk.
Formal policies and procedures for underwriting, margining, AML/CTF, sanctions, conflict management and complaints.
Board and risk committee oversight, with regular reporting on:
Aggregate exposures by asset, sector, currency and counterparty
LVR distributions and limit breaches
Margin calls and arrears
Compliance metrics (KYC/AML, sanctions hits, SMRs)
Periodic independent review and audit of our control environment, including AML/CTF and credit processes.
10. Summary: what this means for counterparties
For banks, platforms and regulators, the Volans model offers:
A single, professional underwriting entity facing the end client
Multi-bank diversification of funding behind a curated wholesale book
Clear, enforceable security and control over collateral
A robust, documented framework for credit, margin, AML/CTF and sanctions
Operational processes that are audit-ready and regulator-ready
If helpful, we can provide:
Sample facility and security documentation
Summaries of our AML/CTF and risk frameworks
Aggregate portfolio and exposure data (subject to confidentiality)
to support credit approvals, platform integration and regulatory engagement.