Secured Portfolio Line of Credit - Popular Private Client

Unlock the value of your portfolio.

A secured portfolio line of credit lets you access cash today without compromising your investments for the future.1 By using your total portfolio value as collateral, you’ll get funding to support strategic goals and needs, including educational expenses, home improvements, or other major purchases.

Why a secured portfolio line of credit makes sense.

A financial tool offered exclusively through Popular Private Client,2 a secured portfolio line of credit offers a range of borrower benefits.

Leverage the value of your assets

Leverage the value of your assets.

Borrow against your investments for a line of credit between 50-95% of your portfolio.3

Reduce your tax risk

Reduce your tax risk.

Lower risk of negative tax consequences or potential losses from selling your securities prematurely.4

No annual fee

No annual fee.

A portfolio line of credit never incurs an annual fee.

Multi-purpose use

Multi-purpose use.

Use your line of credit to meet a range of short-term needs or long-term goals.

Set a flexible repayment schedule

Set a flexible repayment schedule.

Experience financial flexibility by making interest-only repayments.5

Get easy access to cash

Get easy access to cash.

Write a check or use Popular Online Banking to easily access your portfolio line of credit.

Exclusive features and benefits.

  • Dedicated Private Banker, who provides priority service, acts as your liaison and moves swiftly and strategically as your needs evolve
  • Invitations to exclusive events and offers
  • Access to Private Banking lounges at select branches
  • Attentive service in branches, allowing you to receive timely personal assistance
Exclusive features and solutions

Build a financial legacy with Popular Private Client.

Wealth management at Popular Private Client begins with a conversation — about your needs and goals for financial security and flourishing. Your private banker will help you create a personalized plan, track your progress, and outline strategies for growth. Along the journey, you’ll experience the intimate, hands-on service you need to achieve your dreams.

Meet the team
Connect with a private banker ​Secured Portfolio Line of Credit

Broker Check by FINRA

Securities and advisory services are offered through Osaic Institutions, Inc. (“Osaic Institutions”), a registered investment advisor and broker-dealer (Member FINRA / SIPC). Insurance products are offered through Osaic Institutions or by Popular Insurance Agency USA, Inc. (PIAUSA). PIAUSA, also known as PIA US Insurance Agency (PIAUS), is a wholly owned subsidiary of Popular Bank, a New York state-chartered financial institution. Osaic Institutions or its affiliates are separate entities from and are not affiliated with PIAUSA, PIAUS, Popular Investments, or Popular Bank. “Popular Investments” is a registered service mark.

When registered representatives offer products and services under the Popular Investments name, they are doing so as insurance agents or registered representatives of Osaic Institutions, or as insurance agents of PIAUSA. Osaic Institutions registered representatives are also employees of Popular Bank. Popular Bank and PIAUSA are not registered as a broker-dealer or an investment adviser. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of, nor guaranteed or insured by, any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. If applicable, please request a prospectus as it contains more complete product information — including risk, fees, and expenses — and should be read carefully before investing.

1All loans are subject to credit review and approval. Rates, program terms, and conditions vary by state and are subject to change without notice.

2“Popular Private Client” is the name used by Popular Bank, a NY state chartered bank, for its banking solutions designed for high-net-worth individuals.

3A Secured Portfolio Line of Credit has risks and is not suitable for all clients. The proceeds from a Secured Portfolio Line of Credit may not be used to purchase additional securities. Lending values for collateral may change from time to time subject to Popular Bank’s discretion without advance notice. If securities decrease in lending value or are no longer sufficient to support the line of credit, the client may be required to pledge additional securities or deposit additional funds to meet a collateral shortfall or pay down the line of credit. The client may not be entitled to choose which securities or other assets are liquidated as a result of an unmet collateral shortfall. The client should consider their investment objectives and risk tolerance, the interest costs of borrowing against the securities account, fees and charges for selling assets, the tax consequences of liquidating pledged securities or borrowing, and the loss of potential appreciation on any assets sold.

4Popular Bank and/or its subsidiaries and affiliates are not engaged in rendering tax advice. If tax advice is required, the services of a competent professional or tax advisor should be sought to discuss the possible tax implications.

5Interest-only payments are applicable only during the 36-month term of the Secured Portfolio Line of Credit. Principal must be paid off or refinanced at the end of the 36-month term or when requested by the Bank in the event of default.

Please never share your Popular account details with anyone. Popular will never ask you for your password through email, social media or a third-party website. Learn more.