Borrow Against Your Investment Portfolio Today.

Interest rates are now as low as 5.90%
*Website and rates last updated as of .
up to 100% financing available
interest only payment options
funding in as little as two weeks
Stone Creek Capital Management, LLC ("Stone Creek") is an SEC-Registered Investment Advisor.

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What is a Margin Loan?

Margin loans are an incredibly flexible loan type which allows a borrower to lend against their securities portfolio for any reason. Funds can be borrowed in the form of cash or utilized inside the portfolio to purchase additional investments. Margin loans are tied to a variable rate structure and provide a borrower greater control and more favorable rates than other borrowing sources. These loans do not amortize, meaning there is no preset payment structure of principal or interest. That allows a borrower to maintain a high level of flexibility in determining how and when to make payments towards the loan. The loan functions as a line of credit, where the funds can be used for any purpose or combination of purposes. Publicly traded Stocks, Bonds, ETFs, Mutual Funds and in some cases Options, are all acceptable collateral types that can be utilized to collateralize a margin loan. Retirement accounts are not eligible to be used as collateral for Margin loans. These loans are typically transferable from one custodian to another without the need to pay off the loan. This means that should a borrower decided to change brokerage institutions in the future, refinancing your margin loan is as easy as moving your account to the new broker.

What is a Securities-Backed Line of Credit?

A Securities-Backed Line of Credit is very similar to a margin loan with a few exceptions. These loans are offered by banking institutions rather than brokerage firms directly and can be used for any purpose other than to trade or buy securities. Unlike margin loans, these loans are fully underwritten, which typically requires more time to complete and there is a higher level of scrutiny during the qualification process. SBLOC’s are more restrictive in terms of what types of securities you can hold in your account. Unlike margin loans, they cannot be easily transferred from one lender to another making refinancing these loans difficult. Rates are typically variable in nature, however, fixed rates are available for large loan sizes.

Benefits and Risks of Margin Loans

  • Because your investments serve as collateral for your loan, there are no credit checks required for most programs we offer.
  • Borrowed funds may be used for any purpose. Popular uses of the loans include financing or refinancing real estate, purchasing a business, financing a boat or a plane, paying a large tax bill and borrowing to purchase additional investments.
  • Loans have no set repayment schedule or timeline. This leaves you free to choose how to pay your loan back over time.
  • There are no closing costs or prepayment penalties.
  • Typical turnaround time for setup is only two weeks from start to finish.
  • Interest may be tax deductible.
  • Unlike selling securities to gain the liquidity you need, a portfolio loan allows your assets to keep working for you in the market and does not trigger any taxable event.
  • Both Margin Loans and Securities-Backed Lines of Credit have a maximum equity to debt ratio you are required to maintain. If your equity ratio falls below this level, you are required to bring in additional capital or sell a portion of your investments to meet the call and bring your equity to debt ratios back in line with requirements of the program.

What Makes Us Different

We are portfolio-based loan specialists, focusing on bringing clients the lowest rate options available while providing access to many different programs and options. This differentiates us from brokerage institutions and banks who often offer only one lending option. Our strategic lending partnerships and a focus on portfolio-based lending gives us a high level of insight into the industry and a strategic focus on providing our clients with competitive solutions to their lending needs. As an SEC Registered Investment Advisory (RIA) firm, we are fiduciaries. You can rest assured we act in your best interest, and our recommendations and actions are never motivated by commissions or hidden fees. As an RIA, we never hold client assets here at Stone Creek Capital. Client assets are held with our nationally recognized partner custodians/brokers and you maintain 24/7 access and control over your account directly through their respective online platforms. At Stone Creek Capital we value relationships. We take the time to understand your personal situation and goals before fully educating you on the options best suited to your needs and objectives.

Why Our Clients Borrow

Financing Home, Vacation Home or Investment property
Business acquisition or operational financing
Buying more stocks, bonds or other investments
Financing a boat, plane or RV
Financing a college education
Paying taxes without selling securities
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Compare our rates with our Competitors

$250K $500K $1M $3M $5M+
Stone Creek Capital** 5.90% 5.90% 5.90% 5.90% 5.90%
Vanguard* 11.75% 10.50% 10.50% 10.50% 10.50%
Fidelity* 11.83% 9.55% 9.25% 9.25% 9.25%
Raymond James* 12.00% 11.25% 11.00% 11.00% 10.75%
*Rates as of . Each firm’s info reflects the standard margin loan rates obtained from their respective websites. Competitor rates and offers subject to change without notice. Services vary by firm. 

** Margin loans offered through unaffiliated third-party custodians. A nominal fee may be charged to access the above rates; however, we aim to have the lowest all-in margin costs in the business.

Tailoring a Program to Your Needs

As a specialist in the portfolio-based lending space, we understand that each program is slightly different and there is much more to consider than just rates alone. Your unique situation, use case for funds, time frame, portfolio composition, desired loan size, investing experience, and personal liquidity levels are all key factors in determining which program will best fit your needs. At Stone Creek Capital we believe in fully educating our clients about the programs available to them and never employ a one-size-fits-all strategy.

Ready To Get Started?

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We have multiple lending programs available, some of which include:
Leveraging up to 85% against a diversified portfolio of stock and/or ETFs vs. 50% with traditional margin.
More flexibility in volatile markets, lowering your risk of a margin call vs. traditional margin.
Ability to use call and put options as collateral, unlike traditional margin programs, giving you the ability to hedge your positions against market volatility.
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Links to Stone Creek on and Important Disclosures

2400 Lakeview Pkwy, Ste 550
Alpharetta, GA 30009
Phone: 877-545-3459
2799 NW 2nd Ave. Suite 103
Boca Raton, FL 33431
Phone: 877-545-3459
© . Stone Creek Capital Management LLC. All Rights Reserved. | Privacy Policy | Terms & Conditions
Stone Creek Capital Management, LLC ("Stone Creek") is an SEC registered investment Adviser. Stone Creek’s website is limited to the dissemination of general information pertaining to its investment advisory/management services. The publication of Stone Creek’s website on the Internet should not be construed by any person and/or prospective client as Stone Creek’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.

Stone Creek Capital’s Margin Loans are offered by unaffiliated broker-dealers. Margin lending involves a certain amount of risk including but not limited to margin calls caused by a sudden decrease of portfolio assets or an interest rate spike. In the case of a margin call, additional securities would be required to be deposited in the account or the loan must be paid down using proceeds of existing securities or outside funds.

For more information about Stone Creek’s investment advisory services, including fees, please carefully read the disclosure statement as set forth on Form ADV Part 2A and 2B which are publicly available.