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TD Private Client Group Securities-Based Lending
Backed by your eligible non-retirement investment assets, TD Bank’s secured lending solution can offer you access to a line of credit through TD Bank, N.A.
Benefits you can expect
Flexible options for your financial needs
Maintain your existing investment strategy while leveraging capital for the following:
- Personal Working Capital LOC
- Estate Planning
- Tax-efficient strategies
- Refinance debt
- Real estate
- Large purchases
- Business investment1
- Education planning
Learn more about Securities-Based Lending
Securities-based lending provides a way to use non-retirement assets like stocks, bonds, and mutual funds as collateral for a line of credit.
Securities-based lending can offer a flexible way to access liquidity, allowing clients to avoid selling assets while addressing their financial needs.
Clients may use these loans to access funds for significant purchases, take advantage of potential investment opportunities, or manage short-term cash flow needs without liquidating their investment holdings.
Connect with a TD Wealth Relationship Manager
Our TD Wealth Relationship Managers are available for a consultation to start planning for your future.
1Business investments require independent bank approval. Borrowers are prohibited from using loan proceeds to purchase certain securities.
TD Bank, N.A. does not accept applications for loans for the purpose of satisfying margin obligations. Loans for the purpose of purchasing or carrying margin stocks are limited by Regulation U to a maximum Advance percentage of 50%, or such other percentage as may be established by the Federal Reserve Board from time to time.
The TD Bank, N.A. Collateral Loan offering is provided by TD Bank, N.A., member FDIC (TD Bank). The TD Bank Collateral Loan offering requires a securities account at an approved custodian or broker dealer, and sufficient eligible collateral to support a credit facility of $100,000. Securities and other investment products are not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and may be subject to investment risk, including possible loss of value.
All securities and accounts are subject to eligibility requirements. Eligible securities are generally taxable readily marketable securities traded on a major exchange. Tax deferred assets are not eligible. All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Certain restrictions and terms and conditions apply. Each security will have its own advance rate.
TD Bank may change its advance notes and collateral maintenance requirements at any time. A complete description of the loan terms can be found in the loan agreement.
Borrowing with securities as collateral involves certain risks and is not suitable for everyone. A complete assessment of your individual circumstances is needed when considering a securities-based loan. If the market value of your pledged securities declines below required levels, you may be required to pay down your loan or line of credit, pledge additional cash or securities in order to maintain it, or TD Bank may require the sale of some or all of the securities in your account to meet a collateral call without prior notice. Clients are not entitled to an extension of time on the collateral call and clients are not entitled to choose which securities or other assets will be sold. You can lose more funds than deposited into the collateral account. The sale of your pledged securities may cause you to suffer adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. TD Bank, their affiliates and employees do not provide legal or tax advice. Financing real estate with a securities-based loan or line of credit carries risk and may not be appropriate for your needs.
Please read all lines of credit documents carefully. The proceeds from your TD Bank securities-based loans and lines of credit may not be used to purchase additional securities, carry or trade securities, or repay debt incurred to purchase, carry or trade securities. Securities held in a retirement account cannot be used as collateral to obtain a loan. Securities purchased in a pledged account must meet collateral eligibility requirements Not all loans will be processed digitally. For loans that are not, a standard paper process is still available today. TD Bank does not offer closed-end consumer loans for the purpose of financing post-secondary education expenses.
TD Wealth® is a brand of TD Bank N.A., Member FDIC (TD Bank). Banking, lending, investment, and trust services are available through TD Bank. Securities and investment advisory products are available through TD Private Client Wealth LLC (TDPCW), a US Securities and Exchange Commission registered investment adviser and broker-dealer and member FINRA/SIPC. Epoch Investment Partners, Inc. (Epoch) is a US Securities and Exchange Commission registered investment adviser that provides investment management services to TD Wealth.
TD Wealth Management Services Inc. (TDWMSI) is a licensed insurance agency that offers insurance products.
TD Bank, TDPCW, Epoch and TDWMSI are affiliates.
Deposit products and related services offered by TD Bank, Member FDIC.
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