Wilmington Trust

Wilmington TrustWealth AdvisoryCorporate and InstitutionalInvestment ManagementResearch and InsightsWealth Advisory
Wilmington TrustWealth AdvisoryCorporate and InstitutionalInvestment ManagementResearch and InsightsWealth Advisory
Securities-based Line of Credit | Wilmington Trust: Wealth Advisory: Private Banking: Securities-based Line of Credit
Wealth Advisory
Wealth Advisory
Private Banking

Securities-based Line of Credit

When you need liquidity to take advantage of new opportunities or meet unplanned expenses, you don't want to disrupt your carefully designed investment portfolio or access a trust. Let our team help you address your short-term liquidity needs with a solution that can complement your overall wealth plan.

Why choose a securities-based line of credit?

A securities-based line of credit enables you to meet your short-term liquidity needs by leveraging your eligible securities.* You can use the line of credit to:
  • Make large purchases such as art, real estate, aircraft, marine craft
  • Meet unforeseen large expenses such as tax liabilities
  • Make annual gifts to family members
  • Donate to your charitable causes
  • Act as a bridge to permanent financing
  • Finance business ventures, mergers, and acquisitions
  • Pay for wedding expense, home renovations, college tuition

Personalized attention integrated with your overall wealth plan

Our team of Private Bankers** and Wealth Advisory professionals works closely together to assess your lending needs in conjunction with your entire wealth plan. We carefully assess all aspects of your overall plan and evaluate every option before recommending appropriate strategies.

Borrowing with securities as collateral involves certain risks and is not suitable for everyone. A complete assessment of your individual circumstances is needed when considering a securities-based loan. As part of our commitment to always working in your best interest, your Private Banker can explain to you the benefits and risks associated with a securities-based line of credit, and be sure you are aware of all of your options when selecting a lending strategy.

Talk to a Private Banker to learn more about how a securities-based line of credit can complement your overall financial plan.

*Credit is being offered by M&T Bank, member FDIC. Certain restrictions and terms and conditions apply. All securities and accounts are subject to eligibility requirements.

Credit secured by marketable securities can increase your level of market risk and is not limited to the collateral value in your pledged account If your securities decline in value or your variable interest rate increases, you may be required to pay down on your loan or deposit additional securities as collateral. If you are unable to meet a collateral call, your securities can be liquidated without advanced notice. The sale of pledged collateral may cause you to suffer adverse tax consequences which you should discuss with your tax advisor prior to pledging securities as collateral.

**Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services. M&T Bank is an Equal Housing lender, NMLS #381076. This is not a commitment to make a loan. All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply, depending on the type of collateral and other terms offered or chosen.

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© 2019 Wilmington Trust Corporation and its affiliates. All rights reserved.

Wilmington Trust is a registered service mark, used in connection with various fiduciary and non-fiduciary services, including trustee, custodial, agency, investment management, and other services, offered to trust, individual, and institutional clients by certain subsidiaries and affiliates of Wilmington Trust Corporation. Such subsidiaries and affiliates include, but are not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (operating in Delaware only), Wilmington Trust, N.A., Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), and Wilmington Trust Investment Management, LLC (WTIM). Wilmington Trust Corporation is a wholly-owned subsidiary of M&T Bank Corporation.

International corporate and institutional services are offered through Wilmington Trust Corporation's international affiliates.

Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC.

WTIA, WFMC, and WTIM are investment advisers registered with the Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, and WTIM is also available on the SEC's website at adviserinfo.sec.gov.

Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank, Wilmington Trust Company, or Wilmington Trust, N.A.

Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.

M&T Bank, Member FDIC and Equal Housing Lender NMLS #381076 Equal Housing Lender

 Investment and Insurance Products
  • Are NOT Deposits  • Are NOT FDIC Insured  • Are NOT Insured By Any Federal Government Agency  • Have NO Bank Guarantee  • May Go Down In Value