Lending & Cash Management
Having wealth doesn’t mean that there will never be a need to borrow. In addition to Wealth Planning, we also work with Raymond James Bank to assist you with your daily finances, borrowing, and liquidity needs.
Mortgages
Mortgage lending through Raymond James Bank is available in all 50 states. We offer a variety of loans such as fixed rate, adjustable-rate, and interest-only options. There is also a private wealth mortgage option for clients who meet certain criteria.
Securities-Based Loans (SBL)
A securities-based loan allows you to borrow against your assets in your Raymond James Bank account. You are still able to buy and sell within the accounts that are used as collateral for this loan, as well as receive dividends and interest payments. There is no maintenance, upfront, or closing costs. Interest is due monthly, but payment options and dates are flexible.
Margin Loans
Margin loans provide you with more flexibility than a traditional loan by giving you the ability to borrow against the collateral of your securities. Money from these loans can be used for a variety of outlays, such as paying taxes, purchasing luxury items, or renovating your house. You pay off the margin loan whenever you want without penalty; however, if the equity in your account falls below the required level, Raymond James may sell securities in your account to cover the margin deficiency.
Everyday Banking with Capital Access
Everyday Banking with Capital Access brings together your everyday finances and long-term investments, with the added benefit of fraud protection. This service provides Capital Access Checks and a Capital Access Visa Debit card (with ATM fee reimbursement eligibility) – to offer ease of use and peace of mind.
