Credit and lending solutions
Borrowing wisely
The road to wealth and long-term financial stability requires that you manage your liabilities just as thoughtfully as you manage your assets. Whether you need funds to launch a new business venture, buy a new home, or even assist with college tuition, your Raymond James advisor has the tools you need to move forward with your plans. We offer a complete suite of lending products to help you gain access to capital quickly and cost-effectively.
Securities Based Line of Credit
Maybe you see a rare chance to expand an existing business or acquire a new one. Perhaps you need a bridge loan for a project. Or, now seems to be the perfect time to finally buy that vacation home. A Securities Based Line of Credit can help you capitalize on life’s opportunities and is flexible enough to meet almost any personal or business financing need. The loan is collateralized by securities within your 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 Securities Based Line of Credit for the liquidity you need to enjoy more of what life has to offer.
Please note, the proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities.1
Margin
A Margin account provides a line of credit that allows investors to borrow against existing eligible assets within their Raymond James account at competitive interest rates. The account provides an immediate source of cash, which can increase your buying power for other personal or investment needs, including securities.2
Mortgages3
Choosing the right mortgage is an important financial decision. To ensure that your loan complements your investment strategy, Raymond James Bank provides a full array of lending programs, including:
- Fixed and adjustable rate programs: Choose a rate structure that fits your specific situation.
- Jumbo loans: Competitive rates for larger loan sizes.
- Pledged Securities Mortgage4: Use your securities as collateral on a mortgage.
- Home equity loans & lines of credit: Utilize the equity in your home to pay for virtually any major purchase.
The experts at Raymond James Bank can match you to a variety of competitive lending programs available to meet your needs. Learn more.
Credit card
Not all credit cards are created equal. Ours stacks up with the best, offering valuable perks that Raymond James clients have come to expect. The Raymond James Visa Signature® credit card enables you to pay your monthly balance automatically from your Capital Access account and offers a wide array of benefits, including an extensive rewards program, up to 1.25% cash back, access to exclusive events, special offerings and complimentary concierge services. We’d call that a rewarding experience indeed. Learn more.
A thoughtful conversation with your advisor can help you better understand your options and determine which loan may complement your investment strategy – all while allowing you to access capital quickly and cost effectively.
1 A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities-based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account.
2 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.
3 Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of "A" or "V".
4 The Pledged Securities Mortgage program is not suitable for everyone. A loan client may be at risk of losing money in their collateral account due to market volatility. This may require the deposit of additional equity into the collateral account, which could result in further losses. Though Raymond James Bank will typically contact the client or their financial advisor prior to liquidating pledged assets, Raymond James Bank reserves the right to sell pledged assets of its choosing without contacting the client, if needed to maintain equity in the collateral account. Trading in the collateral account is permissible provided that minimum balance requirements are maintained. If a loan client defaults (stops making monthly payments) on their mortgage, they could lose both their home and the securities they pledged. In addition to regular closing costs, an annual fee may be charged by Raymond James & Associates, Inc. for manual administration of the pledged accounts. Clients should consult with their financial advisors for details.
Raymond James & Associates, Inc., Raymond James Financial Services, Inc. and Raymond James Trust, N.A. are affiliated with Raymond James Bank, N.A.