Securities-based lending
Borrow against your portfolio without selling it. A true revolving line of credit at 70 to 90% of value, with the securities staying in your name.
If you hold a portfolio of securities, our lending partner can set up a line of credit at 70 to 90% of its value. It works as a true line of credit: borrow as much or as little as you want and use the funds for any purpose. Repayment is interest only, with no principal payments, and approval does not depend on personal credit.
Unlike a margin account, there is no sale of your stock and no transfer of title. You receive all dividends, you keep 100% of the appreciation, and you can trade positions as long as you maintain equal value. Approvals usually take three to five business days with limited documentation.
Key features
- Revolving line of credit
- Floating or fixed rates available
- Loan to value from 70% to 90%
- Securities remain titled in the client’s name
- Limited documentation, not credit or income based
- No prepayment penalty with a variable rate
- Dividends paid directly to the client
- Client receives 100% of portfolio appreciation
- Wide range of eligible securities
- Foreign nationals with foreign securities accepted