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
Funding Amount
- Up to 80% of portfolio balance
- Minimum $85,000
Eligibility
- Minimum $85,000 in brokerage accounts
- Stocks or other securities publicly trading at $5/share of more
Benefits
- Quick time to fund
- No out-of-pocket costs
- Low interest rates
- Combine with other financing options
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
Small Business Success 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.