Tap Your Stocks for Credit
A Different Kind of Stock Loan.
We think it should, for example, offer only licensed
institutional management. We think your loan should be administered only by a registered FINRA-member in good standing with financial planning or other relevant licensing, experience, and training standard.
Retain Full, Real Ownership.
Since this will be a credit line against your stocks and/or other securities, we think you should never have to lose ownership of those securities before you receive your financing, so there can be no transfer of your stock's title or
ownership to your lender before they open your credit line. We think your shares should always remain in your own, fully regulated, U.S.-based,
SIPC-insured account with a major institution.
Very Competitive Terms.
But just because you have put a premium on safety, security and licensing within a major U. S. brokerage, it shouldn't mean that you should have to abandon the features you'd want from any good financing, such as low rates or fast turnaround.
So we at A. B. Nicholas say that your loan should be exceptionally competitive along every category, that it should outclass any comparable financing with relative ease. That also means you should have total control of your securities in a revolving credit line that you can use and reuse when you wish... or close when you wish.
Last, we think your financing should allow use of a wide variety of eligible stocks and other securities. If a borrower has pre-existing loans against your securities at higher rates, your lender should be willing to help pay off those loans in advance.
These are the elements of intelligently structured securities-based financing, and the good news is that we at A. B. Nicholas can now offer all these things through a major U. S. institutional lender in a program we call LeverageLine™.
We specialize in using LeverageLine to serve clients who seek to fund franchises, new businesses, or real estate for investment purposes. But our program is also for personal applications, for example, consolidating taxes, paying off college expenses, or refinancing a home to enable total ownership and removal of lien on the home.
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Trusted - Because We're Better.
The major U. S. franchise- and business-brokering firms have chosen A. B. Nicholas' LeverageLine as their exclusive securities finance partner for good reason: We deliver. (See our partner list here.)
CFP Expert Lender Advisor.
Your lender-advisor at our partner SIPC/FINRA brokerage lender is a Certified Financial Planner who views every A. B. Nicholas client as a long-term relationship and who strives to meet at least once a year with each client personally.
No Title Transfer or Sale to Fund.
Fully licensed, major FINRA/SIPC-member U. S. brokerage management means your securities remain in your solely-owned account, traded only if you yourself choose to trade them.* We at A. B. Nicholas have a simple premise: Your securities belong to you and no one else, and you should not have to give up ownership to obtain superior financing against them.
Top-Tier Licensed Brokerage Lenders Only.
We work only with
licensed, FINRA-registered lender advisors and top-tier
SIPC/FDIC-member financial institutions that have agreed to help us craft a custom facility to our exacting requirements, one that we can confidently say is the most competitive, client-friendly consumer securities finance tool in the market today.
The Antithesis of Nonrecourse Stock Loans.
Unlicensed lenders who require a transfer of your stocks' title and sell your securities to fund your loans are a dying breed, for good reason. LeverageLine is the opposite: no title transfer, no sale to fund, and a major licensed institutional lending partner among many other key differences. Read more about what to always avoid.
A Quick-Closing Credit Line.
No credit report is needed for lines under $2MM, and credit is not factored into acceptance. Documentation is very minimal: no extensive document production is required as a rule.
No Sale to Fund.
LeverageLine allows you to avoid selling your
securities to obtain the funds you need. You retain full ownership in a modern, licensed, top-tier U. S. institutional account, with 24/7 online access as with any modern brokerage account and the right to trade your
securities. Depending on your situation, this could mean tax benefits when compared with a sale. (Consult your licensed CPA).
Ready to apply? Use the "Get Quote" button above to apply for your no-up-front-fee, no-obligation LeverageLine and we'll deliver
a term sheet within one business
day. Or call us first at 202.379.4744 9AM-7PM EST M-F. (We return all messages promptly!)
lines are provided solely
through licensed institutions which are members
in good standing of the SIPC and FINRA**
For Finance & Real Estate Professionals
Join other finance, real estate, and business professionals as an
A. B. Nicholas Registered Affiliate and extend LeverageLine
financing to your clients today while earning fees paid
immediately on line opening (2 weeks on average.)
Also: Get a custom landing page and other support - free!
ABN Affiliate Application Form
Licensed SIPC/FINRA Lending
We requested this facility specifically to serve the franchise-buying, business-buying, and real estate investing markets. These clients demanded no "red-tape" delays, no bank or SBA micromanagement, no arbitrary rate jacking or limits on expansion to their investment plans.
They wanted to keep the option to buy or sell securities from their SIPC-insured online accounts, too: our clients can split off a portion of their securities and trade them in their
account even while their portfolio secures their credit line. LeverageLine delivers all of these objectives and many more.
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Around the Clock Access.
Our clients get 24/7 online access and online statements on demand via the major, household-name U. S. brokerage that administers this line of credit. You'll enjoy the security of a major, fully-regulated, U.S. investment
bank and brokerage licensed in every state and most foreign countries.
Quick and Simple.
Our clients also demanded that this be fast, easy, and simple — and it is. Enjoy the benefits of a quick-closing credit line (8-10
days on average) against your stock, bond, and/or mutual fund portfolio
with minimal paperwork and no credit pulled or reported (for lines under $2MM.)
No matter the size of your line, we at A. B. Nicholas will bend over backwards to deliver a superior quote, without delay. LeverageLine, in sum is a popular tool for those
who could benefit from a low-interest credit line without the
typical red tape of conventional bank or SBA financing.
Visit Our ABN White Paper Library
here to go deeper into this program.
Easy, Accessible Process..
Simply apply online
here with a copy of a recent brokerage statement
and a valid photo ID to obtain a term sheet. Digitally
sign the term sheet we send via email with two clicks. There is never any obligation incurred
in doing so, and absolutely no up-front fees of any kind, ever.
If you choose to proceed, we will take you directly into your lending institution and licensed lender advisor to open your account.
Your account will typically be open within 48 hours of
signing your credit line agreement. Your funds will then be immediately accessible by wire, check or debit card. There are no mandatory fees to your lender, and your interest-only payment will be due 30 days from your first draw.