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Portfolio Loans

Access up to 80 percent of your stocks, bonds and mutual funds without selling them by using a portfolio loan.

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.

The Benefits of Portfolio Loans

Portfolio loans can be a fast, low-cost approach to small business financing. If you have at least $85,000 in brokerage accounts, you can qualify for a stock loan at a minimum of $55,000. The higher the value of your securities, the more money you can borrow. Here are a few of the other perks of portfolio loans:

  • Quick turnaround: Stock loans close in an average of 10 days.
  • No out-of-pocket costs: Our team can help you establish a portfolio loan for a 4 percent flat rate, and that percentage can be drawn from your total loan amount.
  • Low interest rates: Portfolio loans have interest rates as low as 3 – 4 percent (even lower for jumbo credit lines over $800k). Plus, you don’t pay interest unless you use the funds.
  • Combine with other forms of small business financing. You can use this form of financing with SBA loans, unsecured loans, equipment leasing, Rollovers for Business Start-ups and more.

Qualifications

To qualify for a portfolio loan, you’ll need:

  • At least $85k in brokerage accounts.
  • Stocks or other securities publicly trading at $5/share or more.

Why Guidant?

Through Guidant Financial’s network of major lending institutions, our clients can avoid high retail rates by gaining access to organizations that offer more economical options for small business and franchise owners interested in portfolio loans.