Allows candidates to access stocks, bonds and mutual funds without selling.

If your client owns stocks, bonds, mutual funds or other eligible securities, they could borrow up to 80 percent against the value of their investments by taking a portfolio loan. Portfolio loans, also referred to as stock loans or securities-based lending, work like a revolving line of credit — allowing individuals to finance a business or franchise by borrowing (and repaying) at will.

Portfolio loans can be a fast, low-cost approach to small business financing. If your candidate has at least $85,000 in brokerage accounts, they can qualify for a stock loan at a minimum of $55,000. The higher the value of their securities, the more money they can borrow.


Benefits

No Out-of-pocket Costs

Our team can help your candidate establish a portfolio loan for a 4 percent flat rate, and that percentage can be drawn from the total loan amount.

Deferred Payments for Franchisees

Franchisees can defer payments on portfolio loans for up to two years.

 

Low Interest Rates

Portfolio loans have interest rates as low as 3 – 4 percent. No interest is owed unless funds are used.

Quick Turnaround

Stock loans can close in as little as 10 days.


Requirements

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

Why use Guidant?

Through Guidant Financial’s network of major lending institutions, we can help your clients avoid high retail rates by gaining access to organizations that offer more economical options for portfolio loans.

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