Liquidity Solutions
Private Client Lending
Modern and convenient lending solutions for Stifel clients.
Balancing today’s needs with tomorrow’s goals
Together, with your Stifel Financial Advisor, our team will look at your financial picture holistically and recommend liquidity solutions for you.
Customized and accessible liquidity solutions
Expertly tailored solutions to solve your immediate financing needs with loans and liquidity solutions offered exclusively to Stifel clients. We don't believe in a one-size-fits-all solution. Keep your most important goals in focus as you leverage our full suite of capabilities.
*Offered by Stifel Bank & Trust
Using your liquidity
Talk with your Stifel Financial Advisor about your liquidity and cash flow needs. Securities-based lending solutions provide options to quickly access cash without cashing out taxable investments and triggering capital gains.
Rainy-day Liquidity
There is no cost to open a Stifel-Pledged Asset (SPA) Loan. With that in mind, clients often use this as rainy-day liquidity should major purchases, unexpected expenses, or other cash-flow needs arise. One simple benefit – using a SPA Loan for liquidity helps you keep your savings cash and investment strategies in place.
Home Buying & Renovation
Many clients use securities-based loans to present real estate contracts as a “cash buyer” and then secure a permanent mortgage after closing. Other real estate uses include funding home building or renovation, and managing the purchase and construction of commercial or investment properties.
Business Liquidity
Whether you are starting a new business venture or leveling up, liquidity is an important tool in managing a company. Securities-based loans may be used to invest in a business startup, expansion, or acquisition.
Major Purchases & Expenses
She said “Yes” and now the wedding planning has begun. You found the perfect boat, artwork, or another vintage car to add to your collection. It’s your 25th anniversary trip and you want to bring the whole family. Whatever your life story is, a securities-based loan provides the liquidity so you may focus on making memories.
Managing Debt & Tax Liabilities
SPA Loans are one of the lowest cost forms of lending available. Clients use liquidity to pay off higher-interest rate debt; from credit cards to business loans or other credit obligations, with lower carrying costs. Speaking of obligations, SPA Loans are an easy way to handle tax payments or smooth out of quarterly cash flow.
Bridge Loans
Sometimes clients need their new one in place before selling their current one – a house, a boat, a car, a business. Whatever it may be, a SPA Loan can be used as short-term, low-cost funding to bridge the gap between making a purchase today and then selling down the road.
“Our clients have been over the moon with the ease of using Stifel’s lending services. The Stifel Bank & Trust securities-based lines of credit provide a quick and simple solution for funding cash needs. As an advisor, this is one more service we can provide our clients that they may not be able to access on their own.”
Holly M. Baroway, CFP®, MBA
Managing Director/Investments , Denver, Colorado
Meet your lending team.
Our team strives to deliver clients the best possible service and solutions to access liquidity, collaboratively with your Stifel Financial Advisor while keeping your financial strategies intact.
Understanding Lending Solutions from Stifel Bank & Trust
Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank & Trust. The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.
Understanding the potential risks of a Stifel Pledged Asset (SPA) Line of Credit
Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel SPA Line of Credit.
Securities-based lines of credit involve risk and are not appropriate for all borrowers. The SPA Line of Credit is a full recourse, demand loan using the assets in a brokerage account as collateral and can be called at any time. An increase in interest rates will affect the overall cost of borrowing. The return on your securities must be higher than your financing cost in order for you to generate a positive return in your securities account. The market value of your securities may decline, which may result in the value of that collateral no longer covering the outstanding loan amount. In either event, the borrower may be required to post additional collateral and/or repay part or all of any outstanding loan, and Stifel Bank & Trust may call the loan and sell or force the sale of the assets in the collateral account, or any other collateral, without contacting the borrower. The borrower can lose more assets than the borrower is required to deposit in the collateral account. The borrower is responsible for satisfying any amount not covered by the collateral.
Stifel Bank & Trust can increase its collateral maintenance requirements at any time. Stifel Bank & Trust may, in its sole and absolute discretion, demand full or partial payment of the SPA Line of Credit at any time, without notice to cover the loan balance and any interest. The borrower is not entitled to an extension of time to meet a collateral maintenance call.
If pledged securities need to be sold, they may be sold without notice, the borrower may not be offered a chance to deposit cash or additional collateral, and the borrower may not be able to pick which securities will be sold, which can interrupt the borrower’s long-term investment strategy. If pledged securities are sold, this could trigger an unfavorable taxable event for the borrower. Neither Stifel Bank & Trust nor our affiliates provide tax or legal advice. Borrower should consult with a tax professional.
The borrower is entitled to draw against their SPA Line of Credit only if loan terms and collateral requirements are met and the draw request is approved by Stifel Bank & Trust.
There may be alternative ways of borrowing funds that are less expensive and involve less risk. Your Financial Advisor may receive compensation for balances on SPA loans. Your Financial Advisor benefits when the borrower uses the available balance on his or her loan to meet liquidity needs in lieu of selling securities or other investments.
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