Borrow against securities at ~5% (vs SBLOC at 8–10%).
Interactive Brokers and a few other brokers offer margin/portfolio loans at benchmark + 0.5–1.5% (currently ~5–6%) — vs traditional SBLOCs at 8–10%. Borrow against your taxable brokerage without selling. No fixed repayment. Use for real estate down payments, business capital, bridge financing. Watch margin call risk — keep LTV under 30%.
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Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.