Credit and Lending Solutions
Whether you need funds for an emergency, an unanticipated investment opportunity or to buy a new home, your Raymond James advisor has the tools you need.
Margin
A Margin account provides a line of margin credit that allows investors to borrow against eligible securities at interest rates below, at or slightly above the prime rate. The amount borrowed determines the interest rates charged. These accounts provide cash on demand, with no lengthy application or approval process.
Borrowing on margin and using securities as collateral may involve a high degree of risk and may not be appropriate for all investors. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash into the account. The securities in the account may be sold to meet the margin call, and the firm can sell investors’ securities without contacting them. For more information, click here.
Banking Services
Through Raymond James Bank, a variety of competitive lending programs are available to meet your needs, from residential mortgages to personal loans. For more information, click here.
Raymond James & Associates, Inc., Raymond James Financial Services, Inc., and Raymond James Trust N.A. are affiliated with Raymond James Bank, member FDIC, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank, and are subject to investment risks, including possible loss of the principal invested. Raymond James offers insurance and annuities products through a wholly owned subsidiary.