Securities-Based Lending

Program Comparison

*Minimum Trading volume of $50,000 day is required 

If you have any questions about what qualifies please  contact us




Based Loan


Securities-Based Line of Credit

Type of LoanLoan with Fixed TermRevolving Line of Credit
Loan Payment ScheduleInterest-Only PaymentsInterest-Only Payments
Interest RatesStarting at 2.5%ARM 3.00% +
Fixed 3.75% +
Loan Payment FrequencyQuarterlyMonthly
Taxable EventNoNo
Pre-Payment PenaltyPre-Payment not allowedARM-No
Fixed Rate-Yes
Lock-Out Period36 month prepayment lockoutNo
Assets Must Be MovedYes-Transferred to lenders nameYes-but stay in clients name
Assets Stay in Clients Name and ControlNoYes
Client May Trade or Sell Securities in the accountNoYes
Borrower Receives Credit for Dividends on SecuritiesYesYes
Current Lines on Portfolio May Be Paid With Proceeds of New LoanNoYes
Borrower Receives Upside Appreciation Yes-At Loan PayoffYes
SIPC Insured AccountNoYes
Credit CheckNoneNone
Income VerificationNoneNone
Personal recourse LoanNoNo
Minimum Asset ValuePenney Stocks OK*$5.00 per share
Broker Origination FeeAllowedAllowed
Funding Fee0%1.5%
Marketing Bonus to Broker.50%.50%
Other FeesNoneNone
Yearly Maintenance FeeNoneNone
Minimum Loan Amount$100,000$100,000
Maximum Loan AmountNo LimitLimitations
Quick FundingYes