Banking and Lending Strategies

The road to wealth and long-term financial stability requires that you manage your liabilities just as thoughtfully as you manage your assets. Whether you need funds to launch a new business venture, buy a new home, or even assist with college tuition, we have the tools you need to move forward with your plans. Steward Partners Global Advisory professionals through Raymond James offers a complete suite of lending products to help you gain access to capital quickly and cost-effectively.

Cash management solutions to help manage your finances
A significant part of your overall financial plan is your short-term cash needs. Your advisor offers a number of cash management solutions designed to help you manage your day-to-day finances. Learn more about them and how they can help you do more with your money.
Capital Access
Capital Access, Raymond James’ easy-to-use cash-management program, provides a comprehensive solution for handling and consolidating your day-to-day finances. In addition to online access to your account, a dedicated support team and your wealth manager are always available to answer any questions you may have.

With the Capital Access Visa Platinum debit card, you can shop almost anywhere without the need to carry cash or remember your checkbook. You can also get cash from your account when you make a purchase at participating retail locations.

With Capital Access, you never have to worry about unauthorized usage. Raymond James premier fraud-protection service safeguards your debit card 24 hours a day, every day. The service team watches for unauthorized account activity so you don’t have to, and we manage any fraud-related issues you may encounter. The dedicated fraud protection team monitors your transactions in real time.

Brokerage account funds
Raymond James provides you with multiple options for automatically investing cash in your brokerage account – whether from the sale of a security, a dividend payment or some other source – into a money market account paying a competitive interest rate. Of course, we also make it easy to access cash from your account when you want it. The Capital Access Visa Platinum debit card.

Securities Based Line of Credit
Maybe you see a rare chance to expand an existing business or acquire a new one. Perhaps you need a bridge loan for a project. Or, now seems to be the perfect time to finally buy that vacation home. A Securities Based Line of Credit can help you capitalize on life’s opportunities and is flexible enough to meet almost any personal or business financing need. The loan is collateralized by securities within your Raymond James’ brokerage accounts, giving you increased borrowing power and highly competitive pricing. Rather than sell securities and disrupt your long-term investment plans, you can use your Securities Based Line of Credit for the liquidity you need to enjoy more of what life has to offer.
Please note, the proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities1

Margin
A Margin account provides a line of credit that allows investors to borrow against existing eligible assets within their Raymond James’ account at competitive interest rates. The account provides an immediate source of cash, which can increase your buying power for other personal or investment needs, including securities2

The professionals at Raymond James Bank can match you to a variety of competitive lending programs available to meet your needs.

Current Rates

*1A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities-based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account.

*2Borrowing on margin and using securities as collateral may involve a high degree of risk and may not be appropriate for all investors. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash into the account. The securities in the account may be sold to meet the margin call, and the firm can sell investors’ securities without contacting them.