Securities-Backed Lines of Credit
Access liquidity using eligible investment portfolios as collateral—without selling appreciated assets or disrupting long-term investment strategies.
Securities-Backed Lending
Unlock liquidity [[without disrupting your investment strategy.]]
Give clients access to capital using eligible investment portfolios as collateral, helping them meet liquidity needs while remaining invested and aligned with their long-term financial goals.
SMART LIQUIDITY
Borrow strategically, [[stay invested.]]
- Stay invested
- No asset liquidation
- Flexible access to capital
Insurance-Backed Lending
Eligible life insurance policies can provide another source of borrowing power, giving clients liquidity while preserving valuable coverage.
- Borrow against policy value
- Preserve insurance benefits
- Tax-efficient liquidity strategies*
*Subject to tax and financial advisor guidance.
Flexible Uses for Capital
Whether clients need liquidity for real estate, taxes, business opportunities, or major purchases, securities-backed lending provides fast access without changing their investment plan.
- Real estate purchases
- Tax obligations
- Business investments
Build a Differentiated Practice
Offer your clients private banking and lending capabilities typically reserved for the largest firms—without adding operational complexity. Fispoke becomes an extension of your business, helping you deepen relationships, attract new clients, and deliver more value through every interaction.
What You Gain
- White-glove private banking and lending support
- High-yield savings, lending, and cash management solutions
- Branded marketing materials and client resources
- Dedicated specialists supporting you and your clients
Scale Without Building a Banking Department
As your firm grows, your clients expect more than investment management. Fispoke helps you expand your capabilities with banking and lending solutions backed by experienced professionals, allowing your team to grow efficiently while maintaining a personalized client experience.
Built for Growth
- Expand your service offering without increasing headcount
- Streamline client banking and lending workflows
- Strengthen client retention with integrated financial solutions
- Dedicated relationship management for advisors and clients
Enterprise Capabilities. Boutique Service.
Support every advisor across your firm with consistent access to private banking, lending, and cash management solutions. Fispoke delivers scalable infrastructure and concierge-level service that enhances your firm's client experience while reducing administrative burden.
Designed for Larger Teams
- Standardized banking and lending experience firm-wide
- Centralized servicing backed by dedicated specialists
- White-labeled advisor and client resources
- Flexible solutions for clients with complex financial needs
Get Started
Talk to our sales team and get to know the products we offer
Related Insights
From the [[Fispoke desk.]]
Client Experience
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Your bank accounts, mortgage, and investments probably live in different places right now — see why bringing them together under one advisor could mean better guidance and fewer surprises.
July 7, 2026
Technology & Innovation
Why Extended FDIC Coverage Has Moved to the Center of Client Conversations
After the 2023 bank collapses made "too big to fail" feel less certain, see how your advisor can help protect cash well beyond the standard $250,000 FDIC limit — without you juggling multiple bank accounts.
June 3, 2026
FAQ
Frequently Asked [[Questions]]
Can't find what you're looking for? Our team is here to walk you through the platform end to end.
Securities-backed lending allows eligible clients to borrow against the value of their investment portfolio instead of selling assets to generate cash.
Clients commonly use securities-backed lending for real estate purchases, tax obligations, business investments, major purchases, liquidity planning, and other qualified financing needs. Loan proceeds cannot be used to purchase or carry additional securities.
No. Eligible securities remain invested while serving as collateral, allowing clients to maintain market exposure and avoid triggering taxable events from asset sales.
Eligibility depends on the composition of the investment portfolio and lender guidelines. Fispoke works with advisors to evaluate qualifying assets and available borrowing capacity.
Once approved, securities-backed lines of credit often provide faster access to liquidity than traditional lending because existing investment assets are used as collateral.
Because the loan is secured by investment assets, market declines may affect borrowing capacity and could require additional collateral or repayment. Advisors and clients should carefully evaluate whether this strategy aligns with their financial objectives.
Get Started
Simplify wealth management [[and banking today.]]
Book a 30-minute walkthrough. We'll show you the full platform, pricing structure, and your onboarding timeline.
Products
Cash Management
Help clients make the most of their cash with banking solutions that complement their investment strategy—all backed by dedicated, white-glove service.
- Competitive High-Yield Savings
- Advisor-branded banking experience
- Dedicated servicing team
Advisor Financing
Empower advisors to invest in the future of their firms with financing solutions built specifically for the wealth management industry. From acquisitions to succession planning, access capital with confidence.
- Practice Acquisitions
- Succession Planning
- Growth Capital
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Credit Cards
Strengthen your firm's brand with premium credit card solutions designed for advisors and their clients. Deliver everyday value while extending your firm's presence beyond the investment relationship.
- Advisor-Branded Cards
- Personal & Business Options
- Premium Rewards
Custom Credit
Some lending needs don't fit inside a traditional credit box. Our custom credit solutions are built for complex financial situations, providing flexible structures backed by experienced underwriting and relationship-driven service.
- Business Lending
- Commercial Real Estate
- Specialized Credit Solutions
Real Estate Lending
Support clients through every stage of homeownership with mortgage solutions designed for affluent borrowers. Whether purchasing, refinancing, or leveraging home equity, provide a seamless lending experience backed by dedicated specialists.
- Purchase Mortgages
- Refinancing
- Home Equity Loans & HELOCs
Securities-Backed Lending
Unlock liquidity without disrupting investment strategies. Clients can access capital using eligible portfolios as collateral while remaining invested and preserving long-term financial plans.
- Portfolio Line of Credit
- Flexible Access to Liquidity
- Competitive Lending Solutions
