FAQs

Anything you want! We are just here to get you the best rates to borrow at. Our customers have used our products to buy a house, refinance their mortgage, pay off their credit debt, take out a small business loan, or just to get cash now! See our ‘Use Cases’ for more examples.

You get the cash upfront and pay the principal back with interest at the end of the loan term as a single payment. There are no other payments made to us during the loan itself.

Nothing! You are free to trade your portfolio normally. You and only you have access to your portfolio.

It depends on the size of your portfolio. We currently offer lending solutions of up to 80% of the value of your fixed income holdings, 85% of stock/ETF holdings, and 90% of US Treasuries.

Our total fee is 0.5% annualized.

No, securities-backed loans do not impact credit scores or debt-to-income (DTI) calculations.

You are able to deduct more interest in box spread loans (what we offer) than many traditional loans (mortgages, credit cards, personal loans). Please see tax section.

Our product carries margin call risk, which occurs if your loan grows too large relative to the value of your portfolio. In that case, you would need to deposit additional cash or assets to bring your loan back within the allowed limit.

No, we are an SEC-registered investment advisor that executes box spread strategies (explanation below) to get our clients access to efficient funding.