Lending Services
Securities-based financing, also known as securities-based lending or securities-backed lines of credit, describes when a client is allowed to borrow money via their investment portfolio as collateral. The lending value, as a percentage of the assets’ market value, dictates the maximum amount of financing available. By leveraging the value of their assets our clients may obtain a line of credit without having to sell them, allowing the investment portfolio to stay intact and continue to grow. With the right financial advising team by your side, these assets can be leveraged most effectively and to their highest yield.
Our team can walk business owners through the different types of business financing available, and which would be the most suitable fit, such as debt financing (which includes loans, lines of credit, etc.) and equity financing (selling ownership stakes to investors). Our team can help strengthen business loan applications and increase the chances of loan approval through skilled wealth and investment planning. With our tools, we can provide an accurate assessment of a business’ value, prepare financial statements, improve cash flow management, and mitigate the risks involved. Throughout the loan process, our team guides our clients through debt management and financing decisions, growth through strategic planning, regulatory compliance, and negotiating with lenders to maximize potential savings.
Our financial advising services can also be applied to assisting clients with credit card services. Our team is not just able to assist with credit card debt but can help you reach your goals by integrating personal credit into your investment planning. While our team does not sell or market specific credit card services, we are able to help our clients choose the right card for their needs, encourage responsible credit card use, and leverage their benefits given our market knowledge and extensive industry experience.
Our team can walk business owners through the different types of business financing available, and which would be the most suitable fit, such as debt financing (which includes loans, lines of credit, etc.) and equity financing (selling ownership stakes to investors). Our team can help strengthen business loan applications and increase the chances of loan approval through skilled wealth and investment planning. With our tools, we can provide an accurate assessment of a business’ value, prepare financial statements, improve cash flow management, and mitigate the risks involved. Throughout the loan process, our team guides our clients through debt management and financing decisions, growth through strategic planning, regulatory compliance, and negotiating with lenders to maximize potential savings.
Our financial advising services can also be applied to assisting clients with credit card services. Our team is not just able to assist with credit card debt but can help you reach your goals by integrating personal credit into your investment planning. While our team does not sell or market specific credit card services, we are able to help our clients choose the right card for their needs, encourage responsible credit card use, and leverage their benefits given our market knowledge and extensive industry experience.
Learn More about Securities-Based Lending at Wells Fargo
Securities-Based Lending gives you the option to borrow against your eligible account assets at Wells Fargo Advisors, unlocking the value of your portfolio. With a securities-based credit line in place, you can make more strategic financing decisions which may help you avoid untimely securities sales and potential capital gains taxes.
Wells Fargo Bank Priority Credit Line
Offered by Wells Fargo Bank, N.A. in partnership with Wells Fargo Advisors
- May be used in for most borrowing purposes other than purchasing or carrying margin stock or paying down a margin account debit.
- Monthly interest capitalizes in the variable-rate loan balance, allowing for payment flexibility as long as there is sufficient collateral to support the outstanding balance.
Margin
Provided by Wells Fargo Advisors
- May be used for securities purchases in addition to other borrowing purposes.
- Fewer eligibility requirements than the Wells Fargo Bank Priority Credit Line.
- Securities-based lending has special risks and is not appropriate for all investors. If the market value of pledged securities declines below the required levels, you may be required to pay down your line of credit or pledge additional eligible securities in order to maintain it; otherwise Wells Fargo may require the sale of some or all of the pledged equities.
Carefully consider whether securities-based lending is right for you
- Securities-based lending has special risks and is not appropriate for all investors. If the market value of pledged securities declines below the required levels, you may be required to pay down your line of credit or pledge additional eligible securities in order to maintain it; otherwise Wells Fargo may require the sale or some or all of the pledged equities.