Credit Lines and Lending Philosophy
IFB is a specialised investment bank committed to delivering bespoke financial services to a discerning international clientele. Our core focus lies in the structuring of sophisticated investment vehicles, capital market transactions, strategic advisory mandates, and private placement arrangements.
In keeping with our institutional identity and strategic orientation, we do not generally operate as a conventional retail or commercial lender. Traditional loan products fall outside the scope of our primary activities. Consequently, we do not offer standardised credit facilities to the general public or to entities without a substantial and proven track record within our banking ecosystem.
However, in exceptional circumstances, and subject to stringent internal due diligence, we may extend tailored financing solutions to a select segment of our clientele. These are typically high-net-worth individuals (HNWI), family offices, sovereign-linked entities, and analogue corporate structures with whom IFB maintains a long-standing and exemplary relationship.
Any consideration of lending is always embedded in a broader strategic context and is designed to complement the client’s existing financial architecture. Credit Lines, when offered, are customised to reflect the complexity of the underlying asset structures, the client’s demonstrated financial conduct, and the alignment of interests over the long term.
Clients who meet these criteria and wish to explore bespoke credit solutions are encouraged to initiate a private consultation with their assigned relationship director. Each request is reviewed individually by our internal risk and investment committees, ensuring that any facility granted meets our standards of prudence and discretion.
Initial Questionnaire for Individuals applying for a Loan
A. Identity and Legal Status Verification
1. Full Legal Name (as per official ID):
2. Date of Birth (DD/MM/YYYY):
3. Place of Birth:
4. Nationality/Citizenship (provide official documentation):
5. Current and Permanent Address (verified through utility bills or lease agreements):
6. Taxpayer Identification Number or Equivalent (TIN/SSN):
7. Marital Status (to assess liabilities or shared income):
8. Contact details (Email, Mobile, Landline):
B. Employment and Income Verification
1. Employment Type:
☐ Salaried (specify employer and position):
☐ Self-employed (provide audited accounts for the last 3 years):
☐ Retired (submit proof of pension/investment income):
2. Years with Current Employer/Self-Employment:
3. Monthly Gross Income (attach payslips or equivalent evidence):
4. Monthly Net Income:
5. Irregular Income Sources (e.g., bonuses, dividends, rental income):
6. Tax Compliance:
-Submit tax returns for the last 3 years.
- Provide proof of no outstanding tax liabilities.
C. Asset and Liability Declaration
1. Detailed List of Assets:
- Real Estate (include official valuations and ownership documents).
- Vehicles (include make, model, and valuation).
- Financial Instruments (e.g., bonds, shares, mutual funds).
- Liquid Savings (e.g., bank deposits, cash holdings).
2. Detailed List of Liabilities:
- Existing Debts (provide loan agreements and repayment history).
- Credit Card Balances (attach latest credit card statements).
- Other Obligations (e.g., alimony, maintenance payments).
D. Loan-Specific Questions
1. Exact Loan Amount Requested:
2. Clear and Specific Purpose of the Loan:
- ☐ Property Purchase (attach purchase agreement).
- ☐ Medical Expenses (provide estimates/invoices).
- ☐ Business Investment (provide business plan and projections).
- ☐ Other (specify and attach evidence).
3. Proposed Loan Term (specify duration and preferred repayment schedule):
E. Risk and Debt Service Capacity
1. Monthly Debt Repayment Ability:
2. Current Debt-to-Income Ratio (calculate and provide supporting documents):
3. History of Default (attach credit history reports from all relevant bureaus):
4. Stability of Income Source (e.g., permanent employment, freelance):
5. Probable Income Growth over Loan Term (based on past trends and future projections).
F. Documentation Requirements (Strictly Mandatory)
- Government-issued ID (passport, national ID).
- Proof of address (utility bill, tax bill).
- Payslips or income statements (last 12 months).
- Tax returns (last 3 years).
- Credit bureau report from all relevant jurisdictions.
- Documentation for all assets and liabilities declared.
Credit assessment criteria
| Criterion | Individuals | Companies | Weighting (1–10) | Threshold for approval |
|---|---|---|---|---|
| Credit history | Verified through reliable bureaus | Verified through bureaus | 10 | Minimum rating of BBB (if external); no defaults |
| Debt service capacity | Debt-to-income ratio below 40% | Debt-to-equity ratio below 60% | 9 | Thresholds must be met |
| Collateral | Realisable, with legal ownership | Realisable, with legal ownership | 10 | Must cover 100% of the loan value |
| Financial transparency | Complete and verified documents | Complete and verified documents | 8 | No missing data permitted |
| Purpose of the loan | Justified with strong evidence | Detailed business justification | 7 | Thorough evaluation |
| Industry or employment risk | Stable employment or industry trends | Low-risk industry classification | 8 | Low volatility required |
| Future projections | Consistent income growth expected | Realistic revenue growth expected | 7 | Must align with the loan tenor |
Next step
Request an introduction
Tell us in a few lines who you are and what you have in mind. Your enquiry goes directly to the bank and is treated in confidence.
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