Line of Credit Solutions

LoanAdvance® is a securities-based non-purpose lending tool designed to offer you a line of credit at competitive interest rates than can be used for personal, consumer or business needs.

LoanAdvance allows you to pledge a broad range of eligible asses as collateral, leveraging their combined value while keeping your investment strategy on track.

You may want to consider this option for needs such as:

• Home improvements
• Vacations
• College funding
• Construction bridge loans
• Financing your business expansion

Benefits of using LoanAdvance

Competitive interest rates. Rates on LoanAdvance lines of credit are often lower than standard bank loans or credit cards.

No established repayment term. As long as adequate collateral is maintained in the LoanAdvance account, there is no required repayment schedule. You may prepay without penalty.

Easy access to a line of credit. The application process is simple and once established, funds can be accessed as easily as requeting a check or wire transfer.

No fees. There are no application, origination or filing fees that are typically associated with personal loans, home equity loans, or bridge financing. In addition, there are no prepayment penalties, termination fees or closing costs. 

Preservation of your investment portfolio. You can avoid possible tax ramifications by using LoanAdvance for personal credit needs instead of liquidating securities from an existing investment portfolio. Best of all, you can continue to enjoy the potential for capital appreciation and income. You can borrow up to 70% of the market value of qualified equity securities, mutual funds, and investment grade corporate and municipal bonds – and up to 90% of U.S. Treasury securities.

Managed Accounts. LoanAdvance allows you to maintain your managed investment and cash management accounts even after they have been pledged as collateral. If you are currently invested in managed accounts, you do not need to move assets into a separate collateral account.

Your Ziegler financial advisor will help you examine your needs and determine the tool best suited to help you meet your goals. To learn more about LoanAdvance, including current interest rates, contact your Ziegler financial advisor our Client Service Center at 888.816.4466 or .

RealAdvance and LoanAdvance funds may not be used for the purpose of securities investment. Restrictions in some states may affect credit line amount minimums, and may not be available to residents of Mississippi, Nevada, Rhode Island and Vermont. Please contact your financial advisor for details regarding state restrictions and minimums.

LoanAdvance and CreditAdvance may not be appropriate for all investors, and risks should be carefully evaluated. If the market value of the collateral account depreciates, the borrower may be required to deposit additional funds or marginable securities into the account. Failure to satisfy account maintenance requirements will result in restrictions on your account and liquidation of sufficient securities to bring the account to an acceptable equity level. Purchaing securities on margin can expose investors to the potential for higher losses and an investor can lose more funds than are deposited into the CreditAdvance account.

Borrowing on margin and using stocks as collateral involves a high degree of risk.

Market conditions can magnify any potential for loss; if the market turns against the investor, he or she will be required to deposit additional securities and/or cash in the account.

The securities in the account may be sold to meet the margin call, and the firm can sell the investor’s securities without contacting them.

Interest rates charged are determined by the value of the cash and securities in the account prior to initiating the loan.