• Wealth Management

An Alternative Option for Accessing Liquidity

Take advantage of opportunities by tapping into the value of your portfolio with a securities based loan.

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Every day, life presents us with opportunities and challenges. Your dream home suddenly goes on the market. The commercial property in just the right location is finally available to purchase. Your accountant informs you of a tax obligation much higher than you anticipated. Or, the beautiful oak in your front yard crashes through your roof during a severe spring storm.

The key to taking advantage of these opportunities and being prepared for these challenges includes a comprehensive financial strategy. Most people immediately think of investments. That’s only half the story. Today’s investors may have access to an alternative to using cash and highly liquid investments by tapping into the value of their portfolios through a securities based loan (SBL).

Flexible Financing for a Range of Needs

If you qualify, an SBL allows you to use the eligible securities in your Morgan Stanley brokerage account(s) as collateral for a loan or line of credit that you can use for a variety of financing needs (exceptions apply, please see disclosures). Whenever you encounter opportunities or challenges, you may consider an SBL as a flexible option for financing expenses instead of selling assets, which could disrupt your investment strategy or potentially create unexpected tax liabilities.

Today’s rates remain near historic lows and the timing and pace of any future Fed rate changes are never certain. If you have a specific need for borrowing or would like to gain access to liquidity, now may be an opportune time to contact your Financial Advisor to learn more.

Borrowing against securities may not be suitable for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details, please see the important disclosures below.

SBLs offer the advantages of a quick application process, fast credit decision (typically 1-2 days) and, once approved, quick access to funds.

  • Tax obligations
  • Real estate—quickly purchase real estate via a cash offer, renovations, new construction or vacant land
  • Business needs—equipment financing, working capital or acquisitions of commercial property
  • Debt consolidation—credit card, auto or education
  • Unexpected expenses such as family medical needs

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