Helping Private Client Advisers Do More For Their Clients

At Enness, most of our best work is done in the background. Quietly. Discreetly. Often invisibly to the end client.

Our advice and solutions help others deliver plans, but we are not lawyers, accountants, wealth managers, trustees, investment advisers, or private bankers. We're the support act and very happy not to be centre stage. We are, however, specialists in one area that almost every HNW and UHNW client will need at some point: liquidity.

And when we talk about liquidity, we mean it in the broadest possible sense - across every geography, every sector, and every asset class.

This is a note for our professional adviser partners. It is not a sales pitch, just a snapshot of how we can add value to your clients and help you deliver more for them. Hopefully, it will give you something useful to think about.

What We Do (And What We Don't)

We don't try to be all things to all people. We only focus on debt advisory. We do it globally, across all asset classes, with a very wide lender base and the ability to structure and execute at a high level.

Most clients are looking for solutions in a few key areas:

• Real Estate Finance - UK, US, Europe, Middle East and elsewhere. Residential, commercial, development, bridging and more.

• Securities-Backed Lending - Releasing liquidity without selling a portfolio. We arrange it across every major custodian and jurisdiction.

• Art, Crypto and Luxury Asset Loans – Niche but very active markets where few professionals have genuine access or experience.

• Corporate Finance and Debt Advisory – Including leveraged finance, shareholder liquidity events, management buy-outs, and private capital raising.

If it touches on debt or liquidity, we'll take a look. We're generalists in scope but deeply specialist in execution.

And crucially, we never step on toes. We aim to help you deliver your plans and ensure that your client is well served.

Clients Need More Options And Less Friction

One thing we're constantly reminded of is how global and complex the private client world really is.

Clients don't see themselves as defined by borders. They live, work and invest across jurisdictions. They have assets and liabilities in multiple currencies, in different structures and across different legal systems. And increasingly, they need advisers who can make this all work seamlessly.

But the reality is that most lenders (especially high-street or local providers) can't cope with that complexity. They like standardised clients- domestic income. Clean balance sheets. Straight lines.

That's where we come in.

We're not tied to any one lender or product type. We build from the client's situation, not the lender's preference. Whether that's placing a Monaco-based client into a UK mortgage with a Channel Islands structure, or raising a securities-backed loan against a US portfolio for a European transaction, we make the complexity simple. It's what we're built for.

The Global Picture

We've always said that Enness is best viewed as a global desk. We operate in and across all the major private wealth hubs: London, North America, Dubai, Monaco, Geneva, Jersey and more.

Our clients are globally mobile and internationally invested. The funding and liquidity they need don't always come from where they live. It might come from a private bank in Switzerland, a debt fund in the US, or a specialist lender in Luxembourg.

And more than ever, what's considered "mainstream" lending is being redefined by geography.

For example:

• A UK national living in Dubai might struggle to get a mortgage in London from a UK high-street lender, but we'll source it through a private bank that understands expat income and UAE structuring.

• A US family office with a multi-asset portfolio might want to leverage equities, crypto and private stock to raise liquidity - we'll structure it with multiple lenders and get the execution done quickly.

• A European entrepreneur may need a bridge-to-sell loan against a commercial asset in London, using offshore trusts and cross-border holding companies - we know exactly who will fund it.

These are not exotic cases; they're everyday work for us. This means we're probably already solving problems your clients are facing, even if they haven't voiced them yet.

Why This Helps You

If you're a private banker, wealth manager, lawyer, accountant or family office adviser, the question is simple: how do you deliver more for your clients without stretching your remit or overpromising on things outside your control?

This is where Enness fits in.

We are not competing with you. We are not trying to cross-sell investment products, manage wealth, write wills, create structures, or take over client relationships.

We are a tool in your box. A team you can deploy when the client needs something niche, complex or urgent. A sounding board when a client has a liquidity challenge or wants to raise capital and doesn't know where to start.

You stay the lead adviser. We support in the background. The client gets results. And your advice gets executed efficiently and cleanly.

We know how important it is to protect your relationship. And we take that seriously.

How We Work With You

We are flexible. Some advisers like to be involved in the whole process. Others prefer to step back once the introduction is made. Some clients want us to act as a named adviser. Others prefer we work under your banner, discreetly. We can do all of it.

We'll never rush your client or push a product. Everything is bespoke, relationship-driven and highly consultative.

And most importantly, we work fast. We know when a deal needs urgency. We know when discretion matters. We know how to speak to clients who expect a certain level of service, speed and professionalism.

The Lender Relationships That Matter

We maintain deep relationships and have access to more than 900 lenders - private banks, boutique funds, family offices, institutional desks, and specialist lenders.

It means we can go far beyond the "yes/no" of most standard lenders.

We understand the lender's appetite. We understand structuring. We know how to present a deal, what to highlight, and how to get it across the line. And we know which desks are open for what kind of business - often weeks or months before the wider market catches up.

It's this knowledge that really delivers for your clients. A deal approved quickly. A solution that no one else could source. A product tailored to the individual, not the market.

It's Not Just Access - It's Advocacy.

Some Typical Scenarios Where We Help

To give you a sense of the work we do alongside professional advisers, here are a few recent examples:

• Arranged a £20m property acquisition in London for a UHNW Middle Eastern family using offshore structures and private bank funding.

• Raised €5m against a blue-chip equity portfolio for a client looking to invest in a private venture, without disturbing their portfolio.

• Helped a UK-domiciled entrepreneur access £3m liquidity via an art loan to cover a short-term cash flow gap.

• Structured bridging finance in the US for a European family office acquiring real estate in Florida, secured against an overseas securities portfolio.

Each case involved multiple jurisdictions, bespoke structuring and a level of speed and discretion that standard providers simply couldn't offer.

Let's Work Together

If you've got a client who needs something a bit out of the ordinary, or just want a second opinion on how to structure a deal or raise liquidity, speak to us.

We're approachable, honest and happy to talk through a case with no pressure, no pitch and no obligation. Sometimes we can help. Sometimes we'll point you in a better direction. Either way, you'll leave the conversation with more clarity than you started with.

Our goal is simple: to help you deliver more for your clients and look like a hero while doing it.

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For more information on any of the topics in this newsletter, please feel free to reach out to either myself or one of our specialist brokers. We would love to speak with you directly.

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