Securities Backed Line of Credit*
Access the cash you need, when you need it.
Keep Your Long-Term Goals on Track
With an Ameris Bank Securities Backed Line of Credit (SBLOC)1, you can unlock financial flexibility by using your investment portfolio as collateral. This solution allows you to access funds without depleting cash reserves or selling securities — helping you stay on track with your long-term investment strategy while avoiding potential tax implications.2 There’s no minimum advance requirement, so you can borrow exactly what you need, when you need it.How It Works
Your investment portfolio serves as collateral for a revolving line of credit. Once approved, you can draw funds as needed without liquidating your securities. This means you maintain your investment strategy while gaining access to cash for short-term or unexpected needs.
The SBLOC requires a minimum investment account balance of $143,000 and a minimum credit line of $100,000.
Financial Flexibility is Key for Your Future
Our Securities Backed Line of Credit offers:
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Use existing assets as collateralLeverage your portfolio without liquidating investments. |
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Competitive variable ratesBenefit from rates designed to keep borrowing cost‑effective. |
Contact Us Today to Learn More
*All loans subject to credit approval.
1 The Securities Backed Line of Credit (SBLOC) is a securities based loan/line of credit from Ameris Bank. The SBLOC requires a minimum investment account balance of $143,000 and a minimum credit line of $100,000. Securities-based financing involves unique risks and is not for everyone. When considering a securities-based loan, thought should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. The securities or other assets in any collateral account may be sold to meet a collateral call without notice to the client, the client is not entitled to an extension of time on the collateral call and the client is not entitled to choose which securities or other assets will be sold. The client can lose more funds than deposited in such collateral account. Ameris Bank may demand full repayment at any time. Some restrictions may apply and not all managed accounts are eligible as collateral.
2 We do not provide legal or tax advice. Please consult your legal or tax advisor in regards to your own situation.
1 The Securities Backed Line of Credit (SBLOC) is a securities based loan/line of credit from Ameris Bank. The SBLOC requires a minimum investment account balance of $143,000 and a minimum credit line of $100,000. Securities-based financing involves unique risks and is not for everyone. When considering a securities-based loan, thought should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. The securities or other assets in any collateral account may be sold to meet a collateral call without notice to the client, the client is not entitled to an extension of time on the collateral call and the client is not entitled to choose which securities or other assets will be sold. The client can lose more funds than deposited in such collateral account. Ameris Bank may demand full repayment at any time. Some restrictions may apply and not all managed accounts are eligible as collateral.
2 We do not provide legal or tax advice. Please consult your legal or tax advisor in regards to your own situation.