Portfolio line of credit

You’re a smart investor. Be rewarded for it.

Your long-term investments build towards security for your future, but they can also give you near-term financial flexibility.

Access cash quickly, easily, and at a low rate with Portfolio Line of Credit while staying focused on your long-term goals.

Instant cash. Long-term thinking.

  • Start a 529 college savings plan for your children.
  • Invest in your friend’s new business venture.
  • Open a new account focused on socially responsible investments.
  • Cover your tax bill, a down payment, or an upcoming tuition payment.

No application process,
no credit check.

If you have a FinanceCreation individual, trust, or joint investment account of $25,000 or more, you automatically have a line of credit available. There’s no credit check or impact to your credit score.

Money in your pocket quickly.

It takes just 30 seconds to request cash straight from your phone, and you could get it as quickly as 1 business day.

The interest rates are low.

Because your line of credit is secured by your diversified investment portfolio, we can keep the rates low for you. Depending on account size, current rates are 2.40% - 3.65%. Using a line of credit is generally cheaper than carrying a balance on a credit card or taking out a personal loan.
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You enjoy complete flexibility.

Borrow up to 30% of your account whenever you need it, for whatever you need. Pay back what you borrow and the interest payment on your own schedule.

A few things to keep in mind:

Portfolio Line of Credit gives you a lot of flexibility, but there are some risks to consider when taking out a loan.

Interest Rate Risk

The interest rate you pay on your loan changes as US interest rates move.

Margin Risk

When you take out a loan your investments serve as collateral. If the value of your investments falls significantly, you may have to repay some of the loan.

Liquidation Risk

If the value of your investments falls below the threshold, we may need to sell some of your investments to cover the loan.

We work to mitigate your risks.

When you take out a loan, movements in the value of your investments can affect your situation. That’s why we designed Portfolio Line of Credit to have buffers in place. We limit the amount you can take out to 30% of the account value.

Read more in our Margin Handbook

It’s the fast and easy way to borrow.

Get more financial flexibility with your investments.

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Portfolio Line of Credit is a margin lending product offered only to clients of FinanceCreation Advisers LLC by FinanceCreation Brokerage LLC.

You can learn more about FinanceCreation Brokerage LLC on FINRA’s BrokerCheck.