Securities-Based Lending

Convenient, Flexible Financing

Increase your borrowing power without liquidating investments by pledging eligible securities in your portfolio to secure financing for your business. Using securities as collateral makes sense, especially if you need to borrow more than a lender is willing to provide or if you want to avoid selling off personal assets. Eligible securities in your Working Capital Management Account® (WCMA® account) or investments in your personal portfolio can be pledged as collateral. Your Merrill Lynch Financial Advisor can help you customize a solution from a range of financing alternatives.

Loan Management Account® (LMA® account)

Manage all your loans through a single account that gives you the borrowing power needed for personal and business financing. More

 

Margin Lending Program

Meet a variety of business financing needs by using the convenience of marginable securities as collateral. More

Related Products & Services

For your business financial needs:

For your personal financial needs:

For more information call 1.866.4ML-BUSINESS (465-2874). 

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 trademarks of Merrill Lynch & Co., Inc.

There are risks associated with securities-based loans. Proper management of your account, and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the Loan Management Account.

There are certain risks associated with margin. Proper management of your account, and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.

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.