Portfolio Loans

Leverage your investment portfolio for fast business funding.

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Access your Portfolio — Without Selling

If you own stocks, bonds, mutual funds or other eligible securities, you can borrow up to 80 percent against the value of your portfolio without having to liquidate your holdings. Portfolio loans, also referred to as stock loans or securities-based lending, work like a revolving line of credit — allowing you to finance a business or franchise by borrowing (and repaying) at will.

How Guidant Can Help

Through our network of lending institutions, our clients can avoid high retail rates. We provide access to lenders that offer straight-forward and economical options for portfolio loans. We’ll connect you with the best lender for your needs to save you valuable time.

The Benefits of Portfolio Loans

  • Maintain the Value of Your Portfolio: Because you’re borrowing against the assets in your portfolio rather than liquidating, your investment portfolio will continue to grow in value.
  • Low Interest Rates: Portfolio loans have interest rates as low as three to four percent. Unlike most loans, you don’t incur interest unless you use the funds, so you’re not penalized if you borrow more than you need.
  • No Upfront Costs: Guidant can help you establish a portfolio loan for a four percent flat rate. That fee can be drawn from your total loan amount, so you don’t have to pay anything out-of-pocket.
  • Low Interest Rates: Portfolio loans have interest rates as low as three to four percent. Unlike most loans, you don’t incur interest unless you use the funds, so you’re not penalized if you borrow more than you need.
  • Quick Turnaround: Stock loans close in an average of 10 days.

Criteria Summary for Portfolio Loans

Portfolio loan maximum funding amount

Funding Amount
  • Up to 80% of portfolio balance
  • Minimum $85,000

Portfolio loan eligibility requirements

Eligibility
  • Minimum $85,000 in brokerage accounts
  • Stocks or other securities publicly trading at $5/share of more

Portfolio loan benefits

Benefits
  • Quick time to fund
  • No out-of-pocket costs
  • Low interest rates
  • Combine with other financing options

Portfolio loan funding timeline

Time to Fund
  • 2-3 weeks on average

Think you’re a good candidate?

If you think you might be a good candidate for a portfolio loan, give us a call. Our small business funding experts can pre-qualify you in less than 5 minutes and put you on the fast track to entrepreneurship.

Call Us at (888) 472-4455

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Ready to take the next step?

Get in touch with a Guidant Financial expert and find out which programs, and how much, you qualify for.