Portfolio Loans
Use your investments for fast small business funding – without selling.
You don’t have to sell your stocks to leverage your portfolio.
Accessing financing to start, buy, or grow your small business can be time-consuming, complicated, and hard to qualify for. But if you own stocks, bonds, mutual funds, or other eligible securities, you can leverage your portfolio to get the money you need without having to sell off your securities.
Portfolio Loans, which are also known as stock loans or securities-based lending, work like a revolving line of credit. This lets you fund your small business or franchise by borrowing and repaying on your schedule – not a bank’s.
The Benefits of Portfolio Loans
Maintain Portfolio Value
Since you’re borrowing against the assets in your portfolio, instead of liquidating (selling) them, your investment portfolio can continue to grow in value.
Low Interest Rates
Portfolio Loan interest rates can be as low as 3% – 4%. Unlike other loans, you only incur interest when you use the funds. That means you’re not penalized if you borrow more than you need.
No Upfront Costs
We can help you establish a Portfolio Loan for a four percent flat rate. You can pay that fee from your total loan amount – so you don’t pay anything out-of-pocket.
Rapid Funding
On average, Portfolio Loans close in an about 10 days. That means you can get the money your business or franchise needs in less than two weeks.
WHAT ARE PORFOLIO LOANS?
Portfolio Loans let you leverage your stocks, bonds, mutual funds, and other eligible securities to get small business funding – without selling your assets.
BENEFITS
- Up to 80% of your portfolio balance
- Fast funding
- No out-of-pocket cost
CRITERIA
- $85k minimum funding
- At least $85k in brokerage accounts
- Stocks & securities publicly trade at $5+ a share
Why Work With Guidant?
We’re the experts.
Over 20,000 small businesses have gotten their start with us. We know how to get you the money you need to start, buy, or grow your business or franchise.
We’ve got options.
Our full suite of funding options gives you a choice when it comes to financing your business or franchise. We’ll help you find the best option for you – or even combine multiple methods.
We’re with you.
We don’t stop supporting you after you get funded. We’re here for the life of your business. With our robust business services, we’re with you for the long-haul.
See How Much Money You Qualify For Today
Receive a list of funding options tailored for you.
Client Stories
Guidant is a perfect vehicle for small businesses to get established. We would not have been able to start the brewery without them.Suzie & Todd, Noda Brewing Company; Charlotte, NC For husband and wife Todd and Suzie, the key to spending more time together was small business ownership. With Guidant’s help, the couple transformed their long-time home-brew hobby into their dream business.
[Guidant walks] you through the entire process of buying a business. They make sure you are set up for success. You are in business for yourself, but you are not by yourself.Bohnne, Decorating Den; Nashville, TN After experiencing a series of layoffs, Bohnne was ready for a career makeover. She took control of her future and embarked on an encore career as a business owner.
We wanted to start our business using our 401(k) funds, but we had no idea how to do it. Our friend told us about Guidant Financial, and so we contacted them and had a great experience.Rand & Janeel, eyeSmith Sport & Fashion Optical; Kansas City, MO After raising eight children, Rand and Janeel were ready to start a new chapter for their family. The couple put their past business experience to good use and tapped into their retirement funds to start an independent eyewear business.
The one piece of advice I would give to entrepreneurs is [to] just go for it … There’s a lot of things you have to think about, but just say ‘yes, I’m going to do it.’Richard and Jo-Anne The Parsonage Inn; Cape Cod, ME After 30 years in the airline industry, traveling the world and raising five children, Richard and Jo-Anne wanted to tackle a new adventure: business ownership. Guidant helped the couple buy an existing business so they could enjoy being their own boss for once.
