Securities Based Lending

Securities Based Lending

Flexible enough to meet almost any personal or business financing need, our Securities Based Line of Credit (SBL) is collateralized by securities within your eligible Raymond James brokerage accounts, giving you increased borrowing power and highly competitive pricing. Rather than sell securities and disrupt your long-term investment plans, you can use your SBL for the liquidity you need to enjoy more of what life has to offer.

Tailored Lending

Similar to an SBL, Tailored Lending provides access to liquidity without disrupting your long-term financial strategy. You can rely on our Tailored Lending team to provide credit solutions tailored to your needs as a high-net-worth client.

Margin

Offered through Raymond James, Margin¹ is a personal line of credit that enables you to take advantage of the low borrowing rates and use eligible securities as collateral, potentially enhancing your overall profitability.
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Products, terms, and conditions subject to change. Subject to standard credit criteria.

Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation.

A line of credit backed by securities, such as a securities based line of credit or a tailored line of credit or margin account, may not be suitable for all clients and investors. Borrowing on securities based lending products or margin accounts and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the collateral calls and the securities in a margin account can be sold to meet the margin calls; and the firm may sell the client’s securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a collateral call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a collateral call. Increased market interest rates could also affect the applicable rate index that applies to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged on bank lines of credit backed by securities are determined in part by the line of credit amount as outlined in the Loan Agreement. The interest rates charged on margin accounts are determined by the amount borrowed. (Please visit sec.gov/investor/pubs/margin.htm for additional information.) Lines of credit are provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC.

The proceeds from a line of credit backed by securities cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account (with the exception of advances made into the pledged account solely for the purpose of sending out or effecting an international wire within one business day of receiving funds from the bank); (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards a line of credit.