Lending Solutions

To develop a financial plan that will effectively meet both your long- and short-term goals, it is important to consider how you access cash for specific life events and events that affect your business. We are here to help guide you in decisions about saving, investing, protecting and borrowing money at the times when you need it most.

Borrowing is sometimes a better alternative to liquidating assets, and your need for cash does not need to disrupt your investment strategy. Let us consult you on your best solutions for:

  • Renovating a home
  • Paying for tuition
  • Short-term bridge financing
  • Planning a vacation of a lifetime
  • Purchasing luxury items
  • Taking advantage of a real estate opportunity
  • Supporting a business
  • Launching new business ventures
  • Acting on an investment opportunity
  • Consolidating debt
  • Paying taxes1

Three of our most popular borrowing solutions are:

  • Mortgages – through our affiliate, Raymond James Bank, we offer versatile financing for new home purchases, second homes and investment property, as well as refinancing existing mortgages and borrowing against home equity via a fixed rate home equity loan or home equity line of credit at competitive rates. Work with a mortgage consultant specifically assigned to serve you.
  • Securities Based Line of Credit (SBLC)2, 3 – Put the value of your investment accounts to work. Collateralized by one or more Raymond James accounts, this flexible line of credit lets you borrow money for a variety of purposes (except the purchase of securities).


  • Margin2 – A margin account allows you to access cash borrowed against pledged assets for any legal purpose through your Capital Access account.

Before you make a large purchase or investment in your business, let’s talk about your cash management and financing options and how they can be a beneficial part of your overall long-term financial plan.

1 Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation.

2 Margin or a Securities Based Line of Credit may not be suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.

3 Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

Products, terms, and conditions subject to change. Subject to standard credit criteria. Property insurance is required. Flood insurance is required if property is in a designated flood zone of ‘A’ or ‘V’. ©2013 Raymond James Bank, N.A.