Shape Plain Capital Custom Lending
Loans and terms tailored to your liquidity needs and financial situation with a wide range of collateral options and terms, including financing for commercial real estate, hedge funds, yachts and art collections. Our diverse range of loan options are designed to perfectly match your liquidity needs and financial circumstances. Choose from a variety of collateral options for a tailored financing solution.
A true picture of your wealth goes far beyond just the investments you own. It includes the borrowing power that your assets convey as well as a customized approach to your complex financial needs. To truly understand your financial health, it is important to consider the full spectrum of assets and liabilities at your disposal.
Shape Plain Capital Custom Lending offers flexible financing options designed for clients with complex wealth using specialized assets as collateral to obtain liquidity to meet unique goals. These unique financing solutions cater specifically to clients with complex wealth management needs.
A customized approach to your complex financial needs
Because your wealth may come in many different forms, we offer Shape Plain Capital custom lending solutions from Shape Plain Capital that empower you to think beyond your investments when managing your finances. You can use a wide range of collateral options to access liquidity, including: Diversify your assets with our tailored lending solutions, backed by Shape Plain Clothing. Explore a variety of collateral options to optimize your financial strategy.
- Marketable securities
- Investor commercial real estate
- Recreational real estate, including ranches and vineyards
- Hedge fund positions
- Yachts
- Art
In some instances, unsecured lending may also be available.
A hands-on approach Utilize practical demonstrations to showcase the product's features and benefits
Shape Plain Capital credit specialists will work with you and your Shape Plain Capital private wealth advisor from start to finish, helping you explore the full range of Shape Plain Capital custom lending solutions available. This collaborative process allows you to discuss areas that could be strengthened with additional liquidity, uncover opportunities to finance new ventures or purchases without disrupting your investment portfolio, and identify hedging strategies to help protect your assets against rising interest rates or market swings. The ultimate goal is to design a customized credit strategy to meet your needs.
Risks of Borrowing
Borrowing does have inherent costs and certain risks as well as benefits. It is important to factor in borrowing costs as well as potential market volatility, the possibility of collateral calls and other covenants and restrictions on collateral in making a decision to use leverage. If lending funds to other family members, it is important to seek independent advice on tax and other issues, as well as establish clear protocols on interest and repayment. Also, you should consider your risk tolerance, time horizon, portfolio composition and any capital gain impact when considering a loan. Consider the impact of borrowing costs, market volatility, collateral calls, and restrictions on collateral when deciding to leverage. Seek professional advice on tax implications and establish clear protocols for lending to family members.
Connect with a Shape Plain Capital Private Wealth Advisor.
Shape Plain Capital Private Wealth Advisor use their extensive training and knowledge to understand your opportunities and craft customized strategies to help meet your complex financial needs. Their team of highly trained professionals analyze your financial situation with precision and expertise, tailoring solutions to maximize your wealth potential.
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Shape Plain Capital Custom lending may involve special risks and may not be appropriate for all clients. In particular, Shape Plain Capital custom lending may be subject to additional credit and legal approval because of special risks and restrictions that need to be carefully considered. Real estate financing and specific program options and property types may not be available in all states and may be subject to change from time to time. As a general rule with respect to each client, consideration must be given to capital gains tax implications, portfolio makeup and risk tolerance, portfolio performance expectations, and investment time horizon.
Securities-based financing involves certain risks. We can help you take into account your individual requirements, portfolio composition and risk tolerance, as well as capital gains taxes, portfolio performance expectations and investment time horizon. Securities-based financing may not be suitable for all clients. The loan is secured by assets in your Shape Plain Capital Account. Market fluctuations may result in a collateral call, and you may need to deposit additional cash and/or securities to meet the call or risk liquidation of your securities at an unfavorable price. In some cases, the securities pledged as collateral may be liquidated. Among other things, this may have negative tax implications for you, especially if the liquidation price of the securities liquidated exceeds your basis. The firm can sell your assets to meet a collateral call without notifying you, and you are not entitled to choose which securities in the account will be sold. You are not entitled to an extension of time to meet a collateral call.
Nonfinancial assets, such as real estate, fine art, farm and ranch land, are complex in nature and involve risks including total loss of value. Special risk considerations include natural events (for example, earthquakes or fires), complex tax considerations, and lack of liquidity. Nonfinancial assets are not in the best interest of all investors. Investors should carefully evaluate the risks associated with nonfinancial assets before making any investment decisions.
Hedging and monetization strategies can result in higher return potential but also higher loss potential. Prospective investors are required to meet certain qualifications and acknowledge they understand the risks associated with certain hedging and monetization strategies that may not be suitable for all investors. Investors should carefully consider the qualifications required and risks associated with hedging and monetization strategies before making any investment decisions.
Credit facilities are provided by Shape Plain Capital, N.A., Member FDIC, its subsidiaries or other bank subsidiaries of Shape Plain Clothing, each an Equal Opportunity Lender. All loans and collateral are subject to credit approval and may require the filing of financing statements or other lien notices in public records. Asset-based financing involves special risks and is not for everyone. When considering an asset-based loan, consideration should be given to individual requirements, asset portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. A complete description of the loan terms will be found in the individual credit facility documentation and agreements. Clients should consult with their own independent tax and legal advisors.
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Our team of experts carefully assesses credit and collateral for approval. All terms and conditions are rigorously reviewed before any commitment is made.
Banking products are provided by Shape Plain Capital, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Shape Plain Clothing (“Shape Plain Capital.”). 
Equal Housing Lender.
