High Net Worth Individuals

Through our breadth of service offerings, we are able to provide high net worth individuals with coordinated and comprehensive solutions that solve for immediate and long-term financial goals and objectives. Click on the Case Studies below to learn more.

Private Banking 

Whether it’s strategic borrowing to secure your future or solving for unpredictable cash flows, our professionals will work directly with you to design personal loans and mortgages that meet your specific liquidity challenges.

Wealth Consulting

Our Wealth Consulting services offer an efficient and coordinated approach to realizing your financial goals. We work alongside clients to uncover potential risks, understand and plan for the tax implications involving your personal assets and provide peace of mind for all of your estate planning needs. We also work with trusted financial partners who can provide you with the financial advice you need to manage your entire balance sheet now and in the future.


Case Studies

  • Digital Marketing CEO Capitalizes on Full Spectrum of Universal Banking Services to Diversify, Grow and Manage Net Worth

    Client Background

    Our client, the CEO of a digital marketing firm, co-founded the company in his late 20s and successfully grew the business into a multimillion dollar enterprise. The success of the company has created a broad set of challenges and opportunities for the CEO.

    In addition to investing in the growth of the company, the CEO used the income to build a portfolio of public equity investments. He also invested in real estate, startups, and other small private investments across the country that were brought to him by friends and family. Evaluating the financial merits of these individual private investments became increasingly challenging for the CEO, whose expertise focused on marketing and business strategy. In addition to assistance in analyzing new opportunities that were brought to him, the CEO wanted to diversify his holdings by getting access to professionally-sourced private equity and real estate investments.

    The large number of different private investments held by the CEO meant that he didn’t have visibility into his total net worth and monthly cash flows. This lack of visibility made it difficult for the CEO to build a comprehensive wealth management plan and understand how the various elements of his portfolio could be working together to achieve his longer-term goals.

    Utilizing a number of services and capabilities offered through the Universal Banking platform, Metropolitan Capital assisted the client in diversifying his equity holdings and generating a clear picture of his consolidated cash flows and net worth.
     

    SOLUTIONS DELIVERED


    Private Banking

    Metcap issued a $2 million line of credit for the CEO so that he could increase his investment size threshold and thereby generate greater returns as well as eliminate the need to liquidate his stock holdings to access funds.

    Investment Banking

    The CEO has access to Metcap’s proprietary deal flow as well as the expertise to help analyze the financial merits of prospective investment opportunities as they arise.

    Wealth Consulting

    Metropolitan Capital’s consultative approach to private wealth management has helped the CEO gain a clear picture of his comprehensive financial situation and evaluate new private investment opportunities. Acting as the client’s outsourced personal CFO, Metropolitan Capital helps the client analyze any new investments that he is presented with. Metropolitan Capital also has created consolidated financial statements and models that give the client visibility into how various decisions will affect his net worth and future cash flows.

  • Creative Lending Solution Enables Tech CEO to Satisfy Near-Term Liquidity Needs

    Client Background

    In 2013, Goldman Sach referred to MetCap a prospective client who was the CEO of a private, cloud-based technology company in Silicon Valley. The executive needed to access more than $500,000 in personal liquidity to retire an income-tax liability related to the sale of his previous company.

    Because the CEO’s compensation was heavily weighted in favor of equity vs. cash income and the majority of his wealth was in the form of stock options, most banks were unwilling to extend a loan of this size because of the illiquid and non-traditional nature of his wealth profile. Adding to the liquidity challenge was the fact that company was majority-owned by a private equity firm and the CEO would need permission to sell any company stock. Further, the CEO’s fiduciary responsibility to his fellow shareholders prevented him from liquidating his shares at a time that would be detrimental to the company’s future.

    Drawing on its ability to provide creative lending solutions for individuals with non-traditional balance sheets and illiquid assets, MetCap provided the CEO access to liquidity and a broad array of wealth consulting services.
     

    SOLUTIONS DELIVERED


    Private Banking

    Metcap structured a $750,000 loan for the executive allowing him to pay off the income tax liability and access additional working capital. The loan was structured so that the options and shares were not used as direct collateral, allowing the CEO to access capital without requiring the company’s consent. At MetCap grew more familiar with the CEO and the company, the loan increased to $1.9 million.

    Client Background

    In 2013, Goldman Sach referred to MetCap a prospective client who was the CEO of a private, cloud-based technology company in Silicon Valley. The executive needed to access more than $500,000 in personal liquidity to retire an income-tax liability related to the sale of his previous company.

    Because the CEO’s compensation was heavily weighted in favor of equity vs. cash income and the majority of his wealth was in the form of stock options, most banks were unwilling to extend a loan of this size because of the illiquid and non-traditional nature of his wealth profile. Adding to the liquidity challenge was the fact that company was majority-owned by a private equity firm and the CEO would need permission to sell any company stock. Further, the CEO’s fiduciary responsibility to his fellow shareholders prevented him from liquidating his shares at a time that would be detrimental to the company’s future.

    Drawing on its ability to provide creative lending solutions for individuals with non-traditional balance sheets and illiquid assets, MetCap provided the CEO access to liquidity and a broad array of wealth consulting services.
     

    SOLUTIONS DELIVERED


    Private Banking

    Metcap structured a $750,000 loan for the executive allowing him to pay off the income tax liability and access additional working capital. The loan was structured so that the options and shares were not used as direct collateral, allowing the CEO to access capital without requiring the company’s consent. At MetCap grew more familiar with the CEO and the company, the loan increased to $1.9 million.

  • Long-Standing Relationships and Experience Key to Crafting Unique Loan Structure to Solve for Tech Executive’s $2.5 Million Stock Option Tax Liability

    Client Background

    A heavily recruited product engineer in Silicon Valley was offered a very lucrative job opportunity at a fully capitalized and high-profile tech startup. The individual held a considerable amount of vested options in his current employer, which was readying to go public. In order to exercise the options, he needed roughly $2.5 million, most of which would be needed to satisfy the tax liability associated with the stock compensation. The compensation package of the new startup was heavily loaded with stock options as well, leaving the individual with a large cash shortfall. One of the members of a venture capital firm supporting the new startup was a client of MetCap and had previously engaged the bank under similar circumstances. An introduction was made and MetCap quickly worked to tailor a loan facility that enabled the individual to exercise his options within the mandated 90 day window from leaving his old firm and enabled him to begin work at the new firm. The major challenges for MetCap in structuring the transaction were the lack of available collateral to underwrite the loan and the individual’s ability to service the monthly interest payments.

    Leveraging MetCap’s long-standing relationships with NewCo’s executive team and the sponsors backing the venture, the parties worked hand in hand to craft a solution that would satisfy the collateral requirements and provide the cash flow needed to service the interest payments on the loan.
     

    SOLUTIONS DELIVERED


    Private Banking

    To underwrite the loan, MetCap structured a put contract on future vested shares of NewCo between the individual and company, listing MetCap as the beneficiary. In case the loan went sideways, the company would be obligated to buy enough shares from the individual to make MetCap whole. In addition, the individual was able negotiate an annual cash bonus that would service the annual interest payments for the life of the loan. Taking these components together, along with a small pledge of an international real estate asset owned by the individual's family, allowed MetCap to gain comfort around the risk and underwrite the loan.

    MetCap’s ability to step in and work fluidly with the individual, the executives at the new firm and the sponsors behind the deal to craft a mutually beneficial arrangement was well received by all the parties. Since this transaction, MetCap has been engaged to work with the parties on other various banking assignments.