Credit and Lending Solutions

The road to wealth and long-term financial stability requires you to manage your liabilities just as thoughtfully as your assets. If you need funds to launch a new business venture, or even assist with college tuition, we have lending solutions to help gain access to capital quickly and cost effectively.

Securities Based Lines of Credit

A Securities Based Line of Credit (SBLC) 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 selling securities and disrupting your long-term investment plans, you can gain liquidity via an SBLC. Your SOUND Wealth Management Group team will guide you to make appropriate SBL borrowing decisions.

A Securities Based Line of Credit (SBLC) or Margin account may not be suitable for all clients and investors. The proceeds from an SBLC cannot be used to purchase or carry margin securities. Raymond James Bank does not accept RJF stock as pledged securities towards an SBLC. Borrowing on an SBLC or Margin account 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.

An investor can lose more funds than he or she deposited in the account. 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 or Margin Calls (Calls) and the firm can sell the client's securities without contacting them. Clients and investors are not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Call.

The firm can increase its maintenance requirements at any time and is not required to provide advance written notice. Clients and investors are not entitled to an extension of time on Calls. Increased interest rates could also affect LIBOR rates that apply to your SBLC or Margin account causing the cost of the credit line to increase significantly. The interest rates charged for an SBLC are determined by the market value of pledged assets and the net value of the client's Capital Access account. The interest rates charged on Margin loans are determined by the amount borrowed.

Please visit sec.gov/investor/pubs/margin.htm for additional information. Securities Based Line of Credit provided by Raymond James Bank, N.A., Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A., a federally chartered national bank. Products, terms, and conditions subject to change. Subject to standard credit criteria.

Margin

A Margin account provides a line of credit that allows you to borrow against existing eligible assets within your Raymond James account at competitive interest rates. Margin provides an immediate source of liquidity, which can increase your buying power for personal or investment needs, including securities. Your SOUND Wealth Management Group team will guide you to make appropriate margin borrowing decisions.

A Margin account may not be suitable for all investors. Borrowing on Margin 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. An investor can lose more funds than he or she deposited in the account. 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 Margin Call, and the firm can sell the client's securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and is not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. Increased interest rates could also affect LIBOR rates that apply to your Margin account causing the cost of the credit line to increase significantly. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.