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 LIBOR-based interest rates with a streamlined underwriting process for lines of credit of $250,000 to $5 million based on your TD Wealth investment accounts.

Secured line of credit – provides maximum flexibility, with the ability to tap the line as needs arise
Secured term loan – offers predictability on lump sum needs, with a stated term, rates and regular payments
For loans of any amount and lines of credit above $5 million, full underwriting procedures apply

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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.

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Important Disclosures

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.

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.

Important Information

Investment Products and Insurance:
Not FDIC Insured
Not a Bank Deposit
Not Insured by any Federal Government Agency
No Bank Guarantee
May Lose Value

TD Private Client Group is a unit of TD Wealth® in the United States, which is a business of TD Bank N.A., member FDIC (TD Bank). TD Private Client Group provides its clients access to bank and non-bank products and services. Banking, investment and trust services are available through TD Bank. Securities and investment advisory products are available through TD Private Client Wealth LLC, member FINRA/SIPC (TDPCW). TDAM USA Inc. and Epoch Investment Partners, Inc. (Epoch) are federally registered investment advisers that provide investment management services to TD Wealth. TD Bank, TDPCW, TDAM USA, and Epoch are affiliates.

The information on this web site does not provide individual financial, legal, tax, trading or investment advice. Past performance is no guarantee of future results.

The content contained here should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. The products and services presented here are not suitable for all investors. Particular investment or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance. Readers are urged to seek professional advice with respect to their specific financial, legal, tax, trading or investment matters.

This content is for informational purposes only and is not an offer or solicitation to buy or sell any security or other financial product or instrument. TD Bank and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any security, strategy, or investment product.

Forward-looking Statements: Certain content presented here may contain forward-looking statements (“FLS”) that are predictive in nature and may include words such as “expects”, “anticipates”, “intends”, “believes”, “estimates” and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, assuming no changes to tax or other laws or government regulation or catastrophic events. Expectations and projections about future events are inherently subject to risks and uncertainties, which may be unforeseeable and may be incorrect in the future. LS are not guarantees of future performance. Actual events could differ materially from those expressed or implied in any FLS. A number of important factors including those factors set out above can contribute to these digressions. You should avoid placing any reliance on FLS. We may not update any FLS.

Affiliates: TD Bank and its affiliates and related entities provide services only to qualified institutions and investors. This content is not an offer to any person in any jurisdiction where unlawful or unauthorized. No part of this may be reproduced in any form, or referred to in any other publication, without express written permission.

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Investment Risks: Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk, prepayment risk, and inflation risk. Corporate debt securities are subject to the risk of the issuer’s inability to meet principal and interest payments on the obligation and may also be subject to price volatility due to factors such as interest rate sensitivity, market perception of the creditworthiness of the issuer and general market liquidity. High yield, lower-rated securities are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues. Interest on municipal bonds is generally exempt from federal tax. However, some bonds may be subject to the alternative minimum tax and/or state or local taxes.

Equities may decline in value due to both real and perceived general market, economic industry conditions, and individual issuer factors.

International investing may not be suitable for every investor and is subject to additional risks, including currency fluctuations, political factors, withholding, lack of liquidity, absence of adequate financial information, and exchange control restrictions impacting foreign issuers. These risks may be magnified in emerging markets.

Contact a TD Wealth representative for more information about specific product or service offerings. Additional information is available upon request.

No legal or tax advice: TD Bank and its affiliates and associates do not provide legal or tax advice. In accordance with I.R.S. Circular 230, any tax advice in this material is not intended or written to be used, and cannot be used, by any recipient for the avoidance of penalties under federal tax laws.

Insurance: Life insurance and long-term care insurance are medically underwritten. Do not cancel your current policy until your new policy is in force. Your actual premiums may vary from any initial quote that you receive. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which surrender charges may apply may increase with a new policy. You should consult with your tax advisors regarding your potential tax liability on surrenders.

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Business continuity plan: TD Private Client Wealth LLC (TDPCW) is committed to provide ongoing service in the event of a significant business disruption. If a major event were to hinder our ability to conduct normal business operations, our business continuity plan would enable us to resume critical business, customer service and operations at secure alternative locations within a reasonable period of time.

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