Custom Lending Solutions

Turn your investment assets into a flexible financing solution

Looking for a flexible, competitive and personalized way to address your cash-flow needs? Backed by your eligible1 investment assets, TD Bank’s secured lending solution could be just the solution you’re looking for.

Purchasing power on your terms

Your eligible TD Wealth investment accounts may be able to serve as collateral for a loan or line of credit, giving you ready liquidity without disrupting your investment strategy.

Enjoy flexible options that allow you to address different financing and cash-flow needs:

  • Bridging short-term cash-flow gaps
  • Personal and business expenses
  • Education expenses2
  • Real estate purchases
  • Refinancing high-interest debt

Financing solutions tailored to your needs

Get access to cash and highly competitive interest rates with a streamlined underwriting process for lines of credit of $250,000 to $5 million based on your TD Wealth investment accounts.

  1. Secured line of credit – provides maximum flexibility, with the ability to tap the line as needs arise

  2. Secured term loan – offers predictability on lump sum needs, with a stated term, rates and regular payments

  3. For loans of any amount and lines of credit above $5 million, full underwriting procedures apply

Related investing and financial information

About TD Wealth

Discover what sets TD Wealth apart when it comes to innovative lending solutions, banking and investing with help from a dedicated local Relationship Manager.

Let's start the conversation

Our TD Wealth Advisors are available to provide you with advice to help you meet your financial goals.

1Eligible is defined as taxable readily marketable securities traded on a major exchange. Tax deferred assets are not eligible. Each security will have its own advance rate.

2TD Bank does not offer closed-end consumer loans for the purpose of financing post-secondary education expenses.

All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Certain restrictions and terms and conditions apply. Borrowing with securities as collateral involves certain risks and is not suitable for everyone. 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 or pledge additional securities in order to maintain it, or the lender may require the sale of some or all of the securities in your 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. All securities and accounts are subject to eligibility requirements. Financing real estate with a securities-based loan or line of credit carries risk and may not be appropriate for your needs. A complete assessment of your circumstances is needed to help you determine which type of loan provides the best fit.

Please read all lines of credit documents carefully. The proceeds from some securities-based lines of credit may not be used to purchase additional securities or pay down margin. 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.

The TD Bank, N.A. Collateral Loan offering is provided by TD Bank, N.A., member FDIC (TD Bank). 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. Borrowing with securities as collateral involves certain risks and is not suitable for everyone. A complete assessment of each client’s individual circumstances is needed when considering a securities-based loan.

Have a question? Find answers here