Securities Backed Lending

Securities-backed lending allows you to use your stocks, bonds, or mutual funds as collateral for a loan—without selling them. You retain ownership, avoid capital gains taxes, and still benefit from market growth while getting quick access to liquidity. Your portfolio stays intact while you unlock value. It’s a seamless way to raise capital, often approved and funded within days, with far fewer requirements than traditional loans. Simple, smart, and secure.

Selling your shares means losing future growth, triggering capital gains tax, and possibly missing a rebound. Securities-backed lending, on the other hand, lets you access funds while staying invested. It’s cost-effective, doesn’t require income verification, and can be tailored for nearly any personal or business goal. Whether it’s for opportunity or necessity, the benefits include speed, discretion, and the ability to keep your long-term strategy intact.

Typically, you can pledge marketable securities such as publicly traded stocks, bonds, ETFs, and mutual funds. Some providers also accept certain types of managed portfolios or international securities. Illiquid assets like private shares, crypto, or restricted stocks usually don’t qualify. Your advisor will evaluate your holdings to determine eligibility, ensuring your portfolio fits the loan criteria and aligns with your financial goals.

It’s often far more affordable than traditional financing. Interest rates depend on factors like asset type, loan amount, and lender, but they’re usually lower than unsecured loans or margin accounts. No hidden fees, no early repayment penalties, and flexible terms give you control. Plus, you avoid capital gains taxes by not selling your assets. You get liquidity without the costly trade-offs.

Not necessarily. While some private banks offer securities-backed loans, they may impose stricter conditions and longer timelines. Independent specialists like us provide a faster, more tailored experience. We focus entirely on these types of loans and often offer greater flexibility, multi-currency options, and global reach—without the red tape of traditional banking systems.

Securities-backed lending isn’t risk-free. If the value of your portfolio drops significantly, you may face a margin call requiring additional collateral or partial repayment. Also, overleveraging can expose you to repayment stress. However, with a conservative loan-to-value ratio, strategic planning, and regular reviews, these risks are highly manageable and fully explained before you commit.

Very fast. In many cases, you can receive loan approval and disbursement within 48 to 72 hours, depending on asset verification and documentation. Unlike traditional bank loans, there’s no lengthy credit review or income verification. That means if you’re seizing an opportunity or handling an urgent need, the process won’t hold you back.

It’s straightforward. After a free consultation, you’ll submit a list of eligible securities and required ID documents. We assess your assets, propose a loan offer, and move to agreement. Once terms are accepted and the pledge process is complete, funds are typically transferred within days. Our advisors walk you through every step with transparency.

Almost anything—business expansion, real estate, weddings, education, medical needs, or even seizing time-sensitive investment opportunities. There are no restrictions or reporting requirements. The beauty of securities-backed lending is freedom. You get liquidity without explaining how it will be spent, which keeps things private and efficient.

If you hold a portfolio of marketable securities—stocks, bonds, ETFs, or mutual funds—you likely qualify. There’s no need for perfect credit, steady income, or lengthy bank records. You simply need assets that meet the loan criteria. This makes it ideal for entrepreneurs, investors, and individuals looking for fast, flexible financing.

Most securities-backed loans range from 12 months to 5 years, but flexible renewal options are often available. The actual term depends on your needs, asset type, and market conditions. Shorter terms are great for tactical needs, while longer ones support strategic plans. Your advisor will structure the timeline to match your goals and repayment ability.

The borrowing limit is typically between 70–90% of the market value of your pledged securities. Factors like asset type, portfolio diversification, and volatility affect the exact amount. For example, blue-chip stocks may allow higher leverage than more volatile assets. We ensure your loan amount is balanced with protection and long-term financial planning in mind.

Rates vary based on loan size, asset type, and market conditions. Fixed and variable options are available. Fixed rates offer stability, while variable rates may deliver cost savings when market trends are favorable. Either way, our rates are competitive and fully disclosed up front—no hidden charges, no surprises.

We offer a range of loan structures—term loans, revolving credit lines, and interest-only options. You can select what suits your cash flow and investment strategy best. Whether you need short-term liquidity or longer-term financial freedom, there’s a tailored solution available that puts your needs first.

Absolutely. Securities-backed lending is a smart addition to your wealth strategy. It keeps your capital working while giving you spending power. Investors use it to diversify holdings, fund new ventures, or bridge short-term gaps without disrupting their long-term growth. Our advisors help ensure it supports—not sidelines—your investment plan.

Securities-backed lending provides breathing room. You get fast capital without touching savings, retirement accounts, or long-term investments. It’s an effective tool for managing unexpected costs or strategic moves—without derailing your broader financial goals. By preserving your portfolio, you stay financially agile and better prepared for both opportunities and challenges.