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TD Bank Collateral Lending

Our Collateral Lending Program provides eligible members easy financing for different needs1 without liquidating your security holdings. You can use your existing portfolio to finance things like:

  1. Short-term cash flow needs 

  2. Long-term or day-to-day business expenses or a business partnership

  3. Important milestones like education expenses2

  4. Large purchases including real estate 

  1. Estate planning liquidity

  2. Tax planning

  3. Credit card or debt refinancing

To learn more, call us at 1-833-462-2473 or email BairdLoanSupport@td.com.

What are the benefits of Collateral Lending?

  • Cash flow and liquidity without selling

    Without selling your positions, your loan uses your existing portfolio as collateral.

  • Lower Rates and No Fees to Open

    Typically, fixed and variable loan rates are lower than traditional banking products. Plus, they have no underwriting or origination fees.

  • Fast approval decisions

    Our online application and streamlined underwriting3 means you'll get answers quickly.

  • Simplified lending process

    Less documentation than traditional lending products.

Line of credit and rates

Your line of credit is based on the value of your eligible security holdings, generally 50% to 70% of your portfolio.

Credit line amount Relationship size Base rate
$100,000 - $249,999 Under $1,000,000 SOFR + 4.10%
$1,000,000 - $2,999,999
$3,000,000+
$250,000 - $499,999 Under $1,000,000 SOFR + 3.10%
$1,000,000 - $2,999,999
$3,000,000+
$500,000 - $999,999 Under $1,000,000 SOFR + 2.60%
$1,000,000 - $2,999,999
$3,000,000+
  $1,000,000 - $2,999,999 SOFR + 2.25%
$3,000,000+
$3,000,000 and above Variable SOFR + 1.60%

Rates are as of 1/25/24 as based on 1-Month Term CME SOFR index plus the ARRC recommended spread adjustment of 11 basis points.

All information contained in this rate table is subject to change.

How do I qualify?

Your portfolio should contain enough eligible securities, including:

  1. Marginable equity securities including most mutual funds and Exchange-Traded funds (ETFs) with a value of at least $5 per share and a $300 million-plus market cap

  2. Cash and cash equivalents, like certificates of deposit

  3. Fixed-income investments, including most investment-grade corporate, Treasury, municipal, and government agency bonds

Not all security holdings or account types are eligible to participate.

Eligible accounts:

  • Individual and joint accounts
  • Family offices and related structures
  • Personal holding structures like corporations, LLCs, LPs, and Trusts

Ineligible accounts:

  • Retirement accounts
  • For-profit operating entities and not-for-profit accounts

What else do I need to know?

Learn more about the details and conditions of our Collateral Lending Program: 

  1. The risk of using your portfolio as collateral is not for everyone – your Wealth Lending Advisor can answer any questions you might have

  2. Collateral pledged must be held in a separate cash or non-margin account* and cannot be withdrawn without lender approval. You can't use this account to participate in options trading (spreads and covered call writing), have margin capability, or have any payment features, such as check-writing

  3. Minimum monthly payments are required

  1. The approval process includes a credit inquiry that may impact your credit score

     

  2. Additional funds or securities may be required if your pledged securities value goes down

  3. The loan can be called at any time, without notice, and some or all of your securities can be sold to meet the call. This may result in tax consequences for you

Ready to get started?

Talk to a loan specialist to learn more about how the Collateral Lending Program can help you meet your cash flow needs without jeopardizing your future goals.

Call us at 1-833-462-2473 or email BairdLoanSupport@td.com.

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