Securities Based Lending
Whether you're expanding an existing business or starting a new one, paying a tax bill, buying a vacation home or simply need a bridge loan for an upcoming project, Raymond James Bank can offer you the services you need to capitalize on life's opportunities.
Securities Based Lending
Flexible enough to meet almost any personal or business financing need, our Securities Based Line of Credit (SBL) is collateralized by securities within your eligible Raymond James brokerage accounts, giving you increased borrowing power and highly competitive pricing. Rather than sell securities and disrupt your long-term investment plans, you can use your SBL for the liquidity you need to enjoy more of what life has to offer.
Similar to an SBL, Structured Lending provides access to liquidity without disrupting your long-term financial strategy. You can rely on our Structured Lending team to provide credit solutions tailored to your needs as a high-net-worth client.
Offered through Raymond James, Margin1 is a personal line of credit that enables you to take advantage of the low borrowing rates and use eligible securities as collateral, potentially enhancing your overall profitability.
The above links direct you to the corporate website of our parent company Raymond James.
Talk to a Banking Consultant
Our banking consultants are committed to working with you and your advisor to determine solutions that align with your borrowing needs and financial aspirations.
Products, terms, and conditions subject to change. Subject to standard credit criteria.
Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation.
A line of credit backed by securities, such as a securities based line of credit or a structured line of credit, or Margin account may not be suitable for all clients and investors. Borrowing on securities backed lending products or Margin accounts and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. An investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. Clients and investors may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Call. The firm can increase its maintenance requirements at any time and is not required to provide advance written notice. Clients and investors may not be entitled to an extension of time on Calls. The securities in the Pledged Account(s) may be sold to meet the Collateral Calls and the securities in a Margin account can be sold to meet Margin Calls; the firm can sell the client’s securities without contacting them. Increased interest rates could also affect SOFR rates (or any successor rate thereto) that apply to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged on a line of credit are determined by (i) the market value of pledged assets and the net value of the client’s non-pledged Capital Access account or (ii) the line of credit amount. The interest rates charged on Margin accounts are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.
The proceeds from a securities based line of credit or a structured line of credit cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards a line of credit. Lines of credit are provided by Raymond James Bank. Securities based line of credit and structured line of credit provided by Raymond James Bank, Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, Member FDIC.