Atlas Financial Group
Portfolio-Backed Lending
Investor Comparison — Confidential

The Lombard Advantage — Investor A vs Investor B

Both investors start with $1,000,000 of their own capital. Investor B uses a portfolio-backed loan to access an additional $500,000 at 2% — putting more capital to work from day one. See how this accelerates the journey to their financial goals.

Investor A
Capital only — no leverage
Own capital invested$1,000,000
Additional loanNone
Total capital working$1,000,000
Annual interest cost$0
Growth rates modelled5% / 7% / 9%
Investor B
Capital + Lombard loan facility
Own capital invested$1,000,000
Lombard loan (50% LTV)$500,000
Total capital working$1,500,000
Annual interest cost$10,000
Net wealth = portfolio minus $500k loanTracked annually
2.0%
$3.0M
25
Years to reach target — by growth rate
Wealth snapshot at year 10 — by growth rate
Net wealth over time — all scenarios
A @ 5%
A @ 7%
A @ 9%
B @ 5%
B @ 7%
B @ 9%
Year-by-year cashflow detail at 7% growth
Year A — capital A — growth A — wealth B — portfolio B — growth B — interest B — reinvested B — net wealth B advantage