What is it?
DirectLenderMatch classifies Securities-Backed Line of Credit (SBLOC) under the financing form “Non-purpose revolving line.” Its typical use in this directory is: Borrow against investments without selling them.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Eligible securities portfolio. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Borrow against investments without selling them.
What backs or supports it?
Eligible securities portfolio.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct bank securities-based lender
Bank of America, N.A.
Bank of America Private Bank currently offers a Private Client Line secured by eligible marketable securities accounts.
Official evidence page →Last verified: 2026-08-23
Direct bank lender
Charles Schwab Bank, SSB
Schwab Bank currently offers the Pledged Asset Line secured by eligible non-retirement portfolio assets.
Official evidence page →Last verified: 2026-08-23
Direct securities-based lender
Morgan Stanley Private Bank, N.A. / Morgan Stanley Bank, N.A.
Morgan Stanley currently offers the Liquidity Access Line, a securities-based loan/line of credit secured by eligible brokerage assets.
Official evidence page →Last verified: 2026-08-23
Direct bank lender
PNC Bank, N.A.
PNC Private Bank currently offers securities-based lines of credit using investment assets as collateral.
Official evidence page →Last verified: 2026-08-23
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Crypto-Backed Institutional Loan
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Fine-Art-Backed Loan
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Inheritance Loan
Borrow against expected inheritance with repayment obligation