Credit Access Lending

Whether you are financing a real estate transaction, starting or investing in a new business - you want to enjoy your wealth with those who matter most in your life … and still be able to take advantage of wealth building opportunities.

For your long-term goals, your financial advisor can offer a wide variety of investment solutions specifically tailored to your risk tolerance and growth income needs. For significantly shorter-term liquidity needs, there is credit access lending.

Credit access lending is a line of credit secured by securities held in taxable accounts. It’s designed to give you quick and easy access to the value of your invested assets, while keeping them at work toward your longer-term goals.

A comprehensive financial life education and implementation program for professionals.

Disclaimer and Waiver - FFC Advisory Group LLC®, its owners, officers, directors, employees, subsidiaries, service providers, content providers, and agents (“Ryan D Eldridge” and “Paul W Mixdorf, CPA") are not financial or investment advisors and not licensed to sell securities or investments. None of the information provided is intended as investment, tax, accounting, or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement, of any company, security, fund, or other offerings. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information contained herein is at your own risk.

The content is provided 'as is’ and without warranties, either expressed or implied. FFC Advisory Group LLC does not promise or guarantee any income or particular result from your use of the information contained herein. Under no circumstances will FFC Advisory Group LLC be liable for any loss or damage caused by your reliance on the information contained herein. It is your responsibility to evaluate any information, opinion, advice, or other content contained. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, or other content.

*We are not financial or investment advisors and do not sell securities or investments. We vet and partner with those we trust and work with ourselves.

Key Benefits of Credit Access Lending

Business valuation reports can be prepared for many different purposes. That's why we offer two types of business valuation reports: Informational Valuations and Certified Valuations. Below is a summary of what these two reports entail, how they differ, and when you might benefit most from each.

Key Benefits

  • Cash access without investment portfolio disruption

  • Avoid tax consequences from liquidating holdings

  • Competitive rates and interest-only payments

  • Zero set-up fees and zero draw requirements

  • Simple underwriter process with no credit pull

  • *Possible interest deduction if business or real estate use of funds

Additional Features

  • Banking partners are thoroughly vetted and offer competitive rates.

  • Ability to continue making trades and receive the benefits of any dividends, interest, or capital appreciation that may accrue in the account as long as the loan remains in good standing.

  • Incorporating liquidity needs within your broader wealth plan may also create opportunities for consolidation or optimization of existing, higher-interest loans.

Credit Access Lending FAQs

Use of Funds: non-purpose lending; proceeds can be used for just about anything other than to purchase/carry securities

Turnaround Time: about two weeks

Borrowing Capacity: Up to approximately 50% of the value of a diversified, eligible portfolio

Minimum Collateral Value: $150,000 in diversified, eligible assets to support minimum line size of $75,000

Interest Rate: 30 day Libor + spread (spread based on approved line size and statement household value) *subjected to a minimum rate floor

Loan to Value Requirement: Most lines have advance rate of approximately 60% and default rate of approximately 70% *Contact your financial advisor for additional details

The market is flooded with self-help online apps, underperforming professional services, and fee-driven solutions. But what do you actually need to succeed?

At FFC Advisory Group LLC, we’re all about teaching the basics, implementing the fundamentals, and guiding you along the journey. If you understand the basics of financial life planning, management, and succession - you will thrive in business and succeed in life.

Practical Tools: We don’t just teach theory. We support every strategy with a practical tool that you can use in your business life. We want you to build the foundation where you create wealth and keep it.

Proven Expertise: As a million-dollar family consulting firm, start-up investors of numerous businesses, and serving as CFOs of private equity firms, we have the proven expertise to guide you on your business life journey.

Sustainable Success: We’re not about creating success that doesn’t last. Mastering your financial life isn’t hard - you just need a guide. Get access to our network of advisors and feel confident that you’ll leave a lasting legacy.