Advisor and Borrower Platforms
A Securities-Based Line of Credit from TriState Capital Bank is a lending product based on the proven approach of pledging eligible securities as collateral.
Access liquidity now
Cash from a securities-based line of credit (SBLOC) can be used for several short-term or long-term financing needs:
Our solutions
We serve thousands of advisors, and a majority of U.S. custodians, to provide flexible and comprehensive lending solutions.
We work with you and your financial professional to provide easy access to liquidity.
A True Partner
As an advisor-focused firm, we build strong relationships through exceptionally personalized service to gain your trust as a true partner and valuable resource.
WE PROVIDE:
- Competitive Rates – Both variable and fixed rate options available
- Speed – Our simplified online process enables quick loan document delivery in as little as 3 business days.
- Value – Provides access to liquidity without the immediate sale of securities
- Flexibility – Multiple portfolios can be used as collateral. Individuals, entities, and trusts are eligible to borrow and pledge.
FAQs
A Securities-Based Line of Credit offers competitive pricing and access to liquidity. The client can utilize multiple investment accounts as collateral. The borrower and the pledgor of the loan collateral can be different parties, and there are no fees associated with the loan.
Any non-qualified account including equity, fixed income, as well as cash and cash equivalents can serve as collateral.
These are demand loans with no maturity date.
A client can typically borrow between 50% and 60% of a diversified investment account portfolio, with a default rate of 70%.
Interest payments can be made via ACH from the client’s bank deposit account.
Clients will receive monthly statements directly from TriState Capital Bank that will show the current loan advance and payment activity as well as their current outstanding balance. Clients can also register to view/manage their account online through our client platform, myAccess.
The margin loan must be paid off and closed. No margin loan capabilities are permitted.
Loan principal can be repaid at any time in any amount via wire transfer, ACH, or check. There are no prepayment penalties.
Yes. Since fixed rates change on a regular basis, please contact us for the most recent pricing.
A completed application, applicant’s identification (e.g., copy of a photo ID), and a recent investment account statement for the marketable securities being pledged as collateral are required.
Access our streamlined loan application process through our Digital Lending Platform (DLP).
Interested in learning more?
© 2023 TriState Capital Bank. All rights reserved. TriState Capital Bank is a Pennsylvania-chartered bank.
Securities-based lending is a non-purpose margin loan secured by eligible, marketable securities. It is non-purpose because the proceeds of the line of credit cannot be used to purchase securities. Securities-based lending has special risks and is not suitable for all investors. The risk of securities-based lending include: (i) market fluctuations that may cause the value of pledged assets to decline, (ii) a decline in the value of the pledged securities that could result in selling the securities to maintain equity, and (iii) possible adverse tax consequences as a result of selling securities.
The Digital Lending Platform (DLP) and myAccess are digital platforms offered exclusively by TriState Capital Bank.