Flexible access
Draw what you need, when you need it, within approved limits.
Risk note: portfolio-backed borrowing can involve market risk and may require additional collateral or repayment if values fall.
No forced selling
Explain how customers may access liquidity while keeping eligible assets invested.
Relationship pricing
Show rate tiers, eligibility, and collateral requirements clearly.
Common uses
| Use case | How Creditunity explains it |
|---|---|
| Bridge financing | Short-term liquidity while waiting for another transaction to settle. |
| Tax payments | Access funds without immediately selling eligible assets. |
| Major purchase | Plan carefully around repayment, rates, and collateral movement. |
Portfolio-backed borrowing
What is a portfolio-backed line of credit?
A portfolio-backed line of credit lets eligible customers borrow against certain non-retirement assets without immediately liquidating investments. It can provide liquidity while helping preserve a longer-term investment strategy.
Access funds for major needs
Use cases may include home improvements, bridge financing, tax planning, education costs, or business opportunities.
Maintain investment exposure
Borrowing may help avoid selling eligible assets at an inconvenient time, though risks and repayment obligations remain.
Collateral matters
Available credit depends on eligible pledged assets, market value, credit approval, and other criteria.
Understand the risks
Market declines can reduce collateral value and may require additional collateral, repayment, or liquidation.
Important risk note: A portfolio-backed line is not suitable for every customer. The proceeds should not be used for prohibited purposes, and market changes can create repayment or collateral calls. Replace this with reviewed legal language.