Your investment portfolio can unlock its value.

Our affiliate Bank offers a Collateral Lending Program that allows you to finance virtually any need without liquidating any security. Your existing portfolio may be eligible if you have the right account.

  • Cash flow gaps for short-term purposes
  • Business expenses include capital expenditures or interest in business partnerships.
  • Educational expenses and other memorable events in life
  • Luxury and real estate purchases
  • Liquidity to help with estate planning
  • Tax planning
  • Refinance high-interest credit card debts or high-interest-rate loans

See below for more information on the risks and benefits of collateral lending programs.

The program has many benefits.


Your portfolio will be used as collateral for your loan without you having to sell any of your positions.

Low rates and cost

Variable and fixed-rate loans are generally lower than traditional banking products, and there is no origination or underwriting fee.

Quick decisions

Your loan approval may come 24 hours after you submit the digital application.


Traditional loans require less documentation than traditional ones.

How the Collateral Lending Program operates?

You can choose a secured line of credit or a fixed-rate loan. A line of credit allows you the greatest flexibility, allowing you to draw the line whenever you need it. While a fixed-rate loan gives you the stability of a lump sum funding amount and regular payments, fixed-rate loans offer predictable monthly payments. These loans can’t be used to buy additional securities, trade or carry securities, nor to repay any debt incurred for the purchase, trade, or carries of securities.


Pricing and lines of credit

Credit lines may be available based on the amount of eligible and pledged securities. The amount a client borrows is usually between 50% and 70% of their portfolio of diversified investments.

Rates as of 3/15/2020 this page and all information are subject to change. The rate is based on a 30-day LIBOR. LIBOR (London Interbank Offered Rate) is a benchmark rate banks use to charge each other for short-term loans.

Credit line amount
Base rate
$150,000 – $249,999
30-Day LIBOR + 4.00%
$250,000 – $499,999
30-Day LIBOR + 3.00%
$500,000 – $999,999
30-Day LIBOR + 2.50%
$1,000,000 – $2,999,999
30-Day LIBOR + 2.15%
$3,000,000 and above
30-Day LIBOR + 1.50%
Rates are as of 3/15/2020. All information provided on this page is subject to change at any time without notice. Rate based on 30-Day LIBOR. LIBOR, London Interbank Offered Rate, is a benchmark interest rate that banks charge each other for short-term loans.

How do you qualify for the Collateral Lending Program?

You will need enough collateral to qualify for a loan or line credit. It could include:

  • Marginable equity securities include ETFs and mutual funds. They must have a minimum value of $5 per share and a market capital of $300 million or more.
  • Cash and cash equivalents such as certificates or deposit
  • Fixed-income investments include most investment-grade corporate bonds, Treasury, municipal, and government agency bonds
  • Not all account types or securities are eligible for this program. It includes retirement accounts. Individual and joint accounts, family offices, and related structures are eligible. Personal holding structures such as LLCs, LPs, and Trusts are also eligible. Not-for-profit and for-profit accounts are not eligible.


How do you qualify for the Collateral Lending Program?

Find out how to meet your cash flow requirements today without sacrificing your future investment goals.

Call +13478348283 to open a new account or for existing clients.

Additional conditions for the program

These are additional terms and conditions that you should consider before you decide whether this loan or line of credit is right for you.

  • Borrowing securities as collateral is risky and not recommended for all.
  • All collateral pledged to your loan, or line credit must be kept in a separate cash account or non-margin. Without the lender’s approval, you cannot withdraw your assets from this account. This account does not allow you to participate in options trading, such as spreads or covered call writing, has margin capability, and has payment features like check-writing.
  • You must make the minimum monthly payment by a specific due date until your loan is paid off.
  • Credit scores will be checked and must meet minimum requirements to be approved. Credit inquiries can have an impact on your credit score.
  • You may need to deposit additional funds if the pledged securities’ value falls.
  • You can call the loan at any time without notice. You may sell some or all of your securities to pay the loan. It could have tax implications.