Security-based loans offer a powerful and flexible way to access liquidity by leveraging your investment portfolio without having to sell off valuable assets. Whether you're looking to roll over a 401(k) for business use or tap into the value of stocks, bonds, mutual funds, ETFs, or REITs, these loans provide a streamlined path to capital while allowing your investments to continue growing. Ideal for entrepreneurs, investors, and high-net-worth individuals, security-based lending delivers fast, tax-efficient funding for business opportunities, real estate, or personal financial needs - without disrupting your long-term financial strategy.
401(k) Rollovers
A 401(k) Rollover allows individuals to transfer retirement funds from a qualified employer-sponsored plan into a new account, often for investment or business purposes. For entrepreneurs, a Rollover as Business Start-Up (ROBS) structure enables tax-deferred access to retirement savings without incurring early withdrawal penalties. This strategy allows you to invest directly into a new or existing business while retaining the benefits of a retirement plan. 401(k) rollovers must be carefully structured to remain compliant with IRS regulations but can be a powerful, debt-free source of startup or expansion capital for business owners seeking control over their financial future.
Bond Loans
Bond Loans allow individuals or institutions to borrow against the value of investment-grade bonds, offering a secured, low-interest loan while maintaining ownership of the bonds. These loans are useful for accessing capital for business investments, real estate purchases, or other high-value expenditures without liquidating fixed-income holdings. Since bonds are considered low-risk assets, lenders typically offer favorable terms and higher loan-to-value ratios. Bond-backed lending provides flexibility, preserves long-term financial strategies, and supports tax-efficient borrowing for clients looking to unlock the power of their conservative investments.
Mutual Fund Loans
Mutual Fund Loans enable investors to borrow against the value of their mutual fund holdings, providing a convenient source of capital without selling fund shares. These loans are typically secured by diversified portfolios and can be used for a range of purposes including business funding, debt consolidation, or real estate investment. The borrower retains ownership and potential growth benefits while accessing liquidity through a structured and regulated loan. Mutual fund loans are an efficient solution for clients with well-managed portfolios who want to maintain market exposure while meeting short- or mid-term cash flow needs.
Exchange Traded Fund (ETF) Loans
ETF Loans allow investors to tap into the value of their exchange-traded fund holdings by using them as collateral for a secured loan. These loans are ideal for those seeking quick, tax-efficient liquidity while keeping their market positions intact. ETF loans can be customized based on the fund type, portfolio volatility, and loan-to-value ratios, offering flexible terms and interest rates. Because ETFs are liquid and widely held, they are often favored collateral for lenders. This financing option supports both personal and business needs while preserving the long-term growth potential of diversified investments.
REIT Loans
REIT Loans use Real Estate Investment Trust (REIT) shares as collateral to provide short- or medium-term capital for real estate ventures, business expansion, or high-value purchases. Investors benefit from maintaining ownership of their REIT holdings while receiving a secured loan based on the asset's current value. REIT-backed loans are particularly attractive due to the steady income and asset appreciation REITs tend to offer, which reduces risk for lenders. With competitive terms and fast access to funds, REIT loans give real estate-focused investors a strategic way to leverage income-generating assets without disrupting their investment portfolios.
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