An Income, Investment and Fund Management Foundation

A Securities Finance Loan is not a margin loan, it is a security loan so our loan-to-value can go as high as 97% depending on the mix of securities in your investment portfolio. No other firm can make that claim with the consistency that we do. 

Leave your high-cost brokerage services behind. With a Securities Finance Loan, the major licensed brokerages and banks compete for your business.

Our private lending house is a network of licensed, public, U. S. major brokerage & bank executive advisors who have agreed to offer competitive interest rates and terms to our securities-owning Prospects.

Through our in-house lenders in conjunction with several top-tier, fully licensed SIPC-FINRA household-name institutions, every client is under the professional supervision of a carefully chosen licensed senior executive advisor at each firm.

If selling your securities portfolio is not something you wanted to do for whatever reason – taxes, desire to hold onto your investments, or other reasons - our Securities Finance Loan can be an alternative that will not require you to sell to obtain the funding you require. 

Your line of credit makes you into your own “virtual banker”. Take as little or as much as you need; repay the principal when you wish; enjoy interest-only repayment terms and no maturity date in a credit-card-style revolving line of credit. 

Use a Securities Finance Loan for real estate down payments, college education, or simply as an insurance policy.

And we guarantee our program is the best of its kind.

Your line of credit loan-to-value will depend on the volatility of the stocks that are in your portfolio, as well as the quantity and number of different securities. A low-risk municipal bond portfolio with some federal bonds, for example, will easily get you 95% at least.

Common stocks? about 80%.

But both are way, way better than the default 50% and costly interest rates of your current brokerage’s margin loans. 

Our lending house has developed a proprietary program for our brokerage and bank partners to bid upon which we call REITLine. REITLine allows you to obtain a credit line against your tax-deferred UPREITS, normally impossible as they cannot trade freely. Only converting the tax deferred UPREITS to full trading REITS does the law allow the portfolio to be used as leverage. 

But in doing so, clients who have large amounts of tax-deferred UPREITS will have to first convert those UPREITS into free-trading REITS first, thus triggering a taxable event. Conversion not required with our REITLine. Yet Private Bank Operators may leverage those UPREIT portfolios.

To be eligible for our REITLine program, you must be an Accredited Investor with at or near $10,000,000 in Operating Partnership Units at least. Clients may team together so that the sum of all of their assets together comes to the required $10,000,000 minimum, but each prospect must have at least $5,000,000 to join together for one REITLine credit line.

There is no limit to the number of partners that can group together for this purpose, provided they each have at least $5,000,000 and the total collateral OPU/REIT value is at least $10,000,000. There is a great flexibility too, in the form of cooperation: we accept trusts, S-corps, and partnerships as legal signatories too.

We also require that the underlying, publicly-traded REIT for which the prospect can exchange have solid trading volume averaging at least $5,000,000 in market value on average per day (e.g., a $5.00 REIT with an average of 1,000,000 shares per day would qualify). There are no other requirements and no practical upward limit.

Use our REITLine security loan as part of your commercial real estate sales strategy by allowing your buyers to pay you in UPREIT/OPUs, knowing you can access liquidity without having to sell or exchange into taxable securities — an incentive that buyers may find attractive. Use your dormant OPUs to generate cash to invest in other real estate projects or to pay off tax liabilities. Whatever your objective, our REITLine can be the key to achieving your goals.