What is a securities-backed line of credit?

Think “credit card against your portfolio,” except governed by credit agreements, collateral marks, and maintenance tests—not plastic rewards points. SBLOCs typically live alongside brokerage or private banking custody. Draws may fund lifestyle, business, or investment uses per policy—confirm allowed purposes in writing. Deep guide: SBLOC guide.

The institution assigns a limit from eligible assets after haircuts. You draw to cash or linked accounts; interest accrues on outstanding balances; undrawn commitments may carry fees. Marks refresh; limits can shrink in stress. Compare mechanics to specialty programs on stock loans. Service context: how it works.

Flexibility for recurring or lumpy cash needs. Integrated custody for investors already on platform. Benchmarking — even if you choose specialty lending, SBLOC quotes clarify the market. Explore business owners when proceeds fund operating needs.

Callable limits, floating rates, and maintenance calls remain real. Purpose restrictions may apply. Do not confuse marketing labels with your note. Read risks alongside SBLOC disclosures.

Revolving lifestyle liquidity. Opportunistic draws while staying invested. Bridge financing paired with other assets—compare stock loans if real estate is alternative collateral.

Review stock loans hub, then get started with statements if you want a cross-program review.