Compare pledged-asset lines against margin — arbitrage 200–400 bps.
Securities-Based Lines of Credit (SBLOC) at private banks often price 200–400 bps below regulated margin loans, with more permissive maintenance requirements and no forced-liquidation triggers on standard volatility. Actively arbitrage: move borrowings from margin to SBLOC, or spread across brokers for the best coupon. Distinct from buy-borrow-die — this is pure cost-of-capital optimization on existing debt.
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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.