Securities-based lending
Access cash without selling your investments at inopportune times
Whether you're planning a renovation or navigating an unexpected expense, securities-based lending offers a strategic way to access liquidity. Your financial advisor can help you use a portion of your eligible non-retirement assets to take advantage of opportunities while remaining invested.
Flexible lending solutions backed by your portfolio.
Life moves fast, and sometimes opportunities or unexpected expenses require seamless access to cash. With securities-based lending, you can borrow using your eligible non-retirement portfolio as collateral and keeping your financial plan intact.
Whether you're looking for flexible access through a line of credit, a fixed-term loan or margin lending, your Ameriprise financial advisor will help you choose the right solution. Distinct lending options give you access to funds while keeping your investment plan on track.
Ameriprise® Preferred Line of Credit, Offered through Goldman Sachs Select
Ameriprise® Preferred Loan, Offered through Goldman Sachs Select
Margin Lending, through American Enterprise Investment Services, Inc.
With guidance from your advisor, you can find a solution that fits your unique needs.
Watch this short video to become familiar with securities-based lending features, options and uses. (2:30)
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Whether you’re in need of bridge financing, expanding your small business or covering the expenses of an emergency, securities-based lending can be a powerful tool for managing short-term liquidity needs.
Use securities-based lending for:
- Short-term financing of home improvements and other major life expenses (weddings, luxury purchases, etc.)
- An unexpected event
- Real estate or construction bridge financing
- Cash flow to cover small business or short-term living expenses
- Managing tax obligations
The Ameriprise® Bank Checking Account can be a convenient option for disbursements from and payments to securities-based lending accounts.
A borrowing solution that gives you ongoing access to funds with flexible payments and no application, origination or annual fees helping you manage cash flow while staying invested.
Key features
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Available on a variety of discretionary and non-discretionary non-retirement accounts, including the Ameriprise Signature Wealth Program
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Variable interest rates
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Flexible monthly repayment options, no maturity date and interest and principal can be repaid at any time without penalty
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Proceeds cannot be used to purchase, carry or trade margin stock
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Minimum credit line size is $100,000, with advances starting at $2,500
- No application, origination or annual fees; credit check required during underwriting
Important Considerations
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Interest rates are variable and may rise, increasing the cost of borrowing.
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Market downturns or possible tax implications may cause the value of pledged assets to decline which may require clients to pledge additional collateral.
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Pledged assets can be sold by the lender (with or without advance notice to the client) to meet maintenance calls at the lender’s discretion.
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You will not be entitled to an extension of time to resolve maintenance calls should they be required.
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The lender reserves the right to change maintenance requirements and can demand repayment of the principal amount and interest outstanding, at any time and in its sole discretion.
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Please contact your advisor to receive a copy of the Ameriprise Preferred Line of Credit Product Guide and FAQ for further details and risks.
Additional information
- Ameriprise Preferred Line of Credit lending requirements are set by the lender.
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An Ameriprise Preferred Line of Credit can be supported by multiple accounts and/or borrowers, pledgors, and guarantors.
Ameriprise Preferred Line of Credit terms and policies are subject to change.
A fixed-rate loan designed for larger, one-time funding needs with predictable payments and no upfront fees, allowing you to plan confidently while staying invested.
Key features
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Available on a variety of discretionary and nondiscretionary non-retirement accounts
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Fixed interest rates; terms for periods from 1 to 5 years
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Fixed monthly interest payments throughout the term of the loan. Principal repayment due on maturity date.
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Proceeds cannot be used to purchase, carry or trade margin stock
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Loan amount can range between $100,000 (minimum) and $25M (maximum); and is limited to a one-time request for funding within 30 days of account opening
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There are no application, origination or annual fees; See additional information about prepayment premiums in the “Considerations” section below
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Ameriprise Preferred Loans are not available in all states. Contact your Ameriprise financial advisor for details.
Important Considerations
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Loans are intended to be held to maturity.
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Prepayment of part or all of the principal of an Ameriprise Preferred Loan before the final monthly statement date immediately preceding the maturity date is subject to a prepayment premium regardless of the reason that the Loan was prepaid. The prepayment premium is calculated using multiple factors including, but not limited to, the loan principal amount being prepaid, interest rate fluctuation and the loss and/or cost to the lender in connection with the loan principal amount being prepaid. The prepayment premium can be substantial.
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Interest rates are fixed for the term of the loan. If interest rates decline after the one-time borrowing, clients may be locked into paying a higher interest rate versus current market rates.
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Market downturns or possible tax implications may cause the value of pledged assets to decline which may require clients to pledge additional collateral.
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If you resolve a maintenance call within the specified timeframe, you can choose which securities are sold. If not, lender will direct that securities or other assets pledged as collateral are sold to meet a maintenance call. Loan principal paid in whole or in part to meet a maintenance call prior to the end of the original term of the loan is subject to a Prepayment Premium.
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There may be adverse tax implications if pledged assets are sold or otherwise liquidated by the lender.
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You will not be entitled to an extension of time to resolve maintenance calls.
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The lender reserves the right to change maintenance requirements at any time.
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Please contact your advisor to receive a copy of the Ameriprise Preferred Loan Product Guide and FAQ for further details and risks.
Additional information
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Ameriprise Preferred Loan lending requirements are set by the lender.
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An Ameriprise Preferred Loan can be supported by multiple accounts and/or borrowers.
Ameriprise Preferred Loan terms and policies are subject to change.
Margin lending is offered through American Enterprise Investment Services, Inc., Member FINRA and SIPC. Margin accounts are not FDIC insured, not bank deposits, and involve investment risks including possible loss of principal. Ameriprise Bank, FSB does not provide margin lending.
Leverage your investment portfolio for additional buying power or liquidity with competitive rates, no repayment schedule and financial flexibility when you need it.
Key features
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Available on non-retirement Ameriprise Brokerage or SPS Advantage Accounts
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Convenient, easily accessible lending solution at competitive interest rates
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Proceeds can be used to buy additional securities (i.e. stocks, bonds, etc.) or as a source of cash
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No closing costs or application fees and no set repayment schedule
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Not reflected on credit reports
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Margin interest can be tax deductible, but may be limited to your net investment income (consult your tax advisor)
Important Considerations
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Interest rates may rise, increasing the cost of borrowing.
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You can lose more money than you deposit in a margin account.
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Ameriprise can sell securities (with or without advance notice to the client) to meet margin calls at our discretion.
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You are not entitled to an extension of time to meet any margin calls.
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Ameriprise reserves the right to change margin maintenance requirements at any time.
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Please review Important information about borrowing on margin (Form 200252) for more information about the risks.
Additional information
- Margin lending requirements are set by Ameriprise Financial in accordance with guidance from The Federal Reserve and FINRA.
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The minimum equity required to open a margin account is $2,000.
Margin loan terms and policies are subject to change.
Use your investments to access funds with flexible terms and attractive rates. Contact your advisor to explore your options.
Use your investments to access funds with flexible terms and attractive rates. Contact your advisor to explore your options.
Or, request an appointment online to speak with an advisor.
At Ameriprise, the financial advice we give each of our clients is personalized, based on your goals and no one else's.
If you know someone who could benefit from a conversation, please refer me.
Background and qualification information is available at FINRA's BrokerCheck website.
Please review the Ameriprise® Managed Accounts Client Disclosure Brochure or if you have elected to pay a consolidated advisory fee, the Ameriprise® Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses as well as any applicable updates.