Financing - Financial Advisor Q&A

Hear directly from Merrill Lynch Financial Advisors and other Merrill specialists on topics relevant to business owners.
Resource Type:


  • Making Debt Work for You

    • Merrill Lynch Financial Advisor Peter Foley discusses how a business can use credit prudently to sustain its success and meet its goals.

For more information call 1.866.4ML-BUSINESS (465-2874) or e-mail us at AskMLBiz@ml.com.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, not a bank, and the WCMA account is not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value.

Working Capital Management Account, Loan Management Account, WCMA and LMA are registered service marks of Merrill Lynch & Co., Inc.

The WCMA® account is a product of Merrill Lynch, Pierce, Fenner & Smith Incorporated.

The WCMA® Commercial Line of Credit, which is linked to the WCMA® account, is offered through Merrill Lynch Commercial Finance Corp.

Term loan financing and the WCMA Reducing Revolver Loan are offered through Merrill Lynch Commercial Finance Corp.


Financing, including the WCMA Reducing Revolver loan, is through Merrill Lynch Commercial Finance Corp., 222 North LaSalle Street, 17th Floor, Chicago IL 60601-California Loans made pursuant to a Department of Corporations California Finance Lenders license.  Programs, options and property types are not available in all states and are subject to change.  Certain conditions, restriction and costs may apply, Not all features are available with all programs.  All loans are subject to credit review and approval. 

WCMA Reducing Revolver is a service mark of Merrill Lynch & Co., Inc.

Should the value of securities pledged as collateral decrease below a certain level (as specified within the loan document), the deposit of additional assets and/or liquidation of assets may be required. Securities-based loans cannot be used for investment purposes. A complete description of the loan terms can be found in the Loan Agreements. When considering Merrill Lynch financing, take into account your individual requirements, portfolio makeup and risk tolerance, as well as capital gains taxes, portfolio performance expectations and investment time horizon.