Securities-Based Lines of Credit give your clients flexible access to capital — backed by their investment portfolio and without triggering a taxable event.
Speak with Our TeamLines of credit from $100K to $25M+ secured against eligible investment portfolios — including equities, fixed income, mutual funds, and ETFs held at major custodians.
The portfolio stays fully invested — no forced liquidation, no capital gains realization, and no interruption to the advisor's investment strategy or management fee income.
Streamlined approval and funding process — clients can access their line within days, making SBLOCs ideal for time-sensitive opportunities or unexpected liquidity needs.
Clients can use SBLOC proceeds for virtually any purpose — real estate purchases, business investments, tax payments, bridge financing, or personal liquidity needs.
How advisors have used SBLOCs to solve client liquidity needs without disrupting long-term investment strategies.
A client with a $6M concentrated equity position faced a $1.2M tax bill following a partial liquidity event. Selling additional shares to fund the payment would have triggered further capital gains and disrupted a planned divestiture timeline.
We established an SBLOC against the client's diversified investment portfolio — separate from the concentrated position — providing the full $1.2M within five business days. The client paid the tax bill without selling a single share, preserved the divestiture timeline, and repaid the line over 14 months from business distributions. The advisor retained 100% of AUM and deepened the relationship by demonstrating proactive liquidity planning. The client has since referred two colleagues facing similar situations.
A client identified an off-market investment property opportunity requiring a fast close. Traditional mortgage financing couldn't close in the required 15-day window, and the client was unwilling to liquidate investments to fund an all-cash purchase.
We established a $3.5M SBLOC against the client's investment portfolio in under a week, providing the capital needed for an all-cash close. The client secured the property, then took 60 days to arrange permanent mortgage financing at favorable terms. The SBLOC was repaid in full at closing, the portfolio remained fully invested throughout, and the client captured an off-market opportunity that would have otherwise been unavailable. The advisor cited this transaction as a key differentiator in retaining the client relationship.