Asset-Secured Line of Credit

An Asset-Secured Line of Credit¹ from Capital City Bank offers you the flexibility to access money when you need it for personal needs or business expenses. Use your investment portfolio as collateral to borrow at a competitive rate while maintaining your investment portfolio and cash reserves. Selling securities can disrupt your long-term investment strategies and may have negative tax consequences.²

Our Asset-Secured Line of Credit keeps your plans on track and may offer a lower interest rate than other types of loans. Securities-based financing involves unique risks and is not for everyone. Speak to your private banker when exploring a securities-based loan and consider individual requirements, portfolio composition and risk tolerance as well as capital gains, portfolio performance expectations and investment time horizon. 

Ask our Private Banking team if an asset-secured credit line makes sense for you or discover other financing options to match your needs.

Features and benefits:

• Competitive variable rates available³
• No minimum draw required and no prepayment penalty
• Quick approval process – no income verification for credit lines with loan-to-value of 50% or less
• Use existing assets in investment account as collateral
• Three-year repayment term⁴
• Interest-only monthly payments⁴
• No annual fee
• Use funds for a variety of needs, including Real Estate, Business Expenses, Weddings, Medical Costs, Taxes and Emergencies

What you’ll need to apply:

• Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
• Investment portfolio with minimum balance of $100,000
• Investment securities account statement(s)
• Employment information

Apply with a Private Banker

Important Information

¹ Subject to credit and collateral approval. Securities-based line of credit that requires a minimum investment account balance of $100,000 of non-qualified assets and a minimum credit line of $75,000. Some restrictions may apply and not all managed accounts are eligible as collateral. Product subject to change without notice. Refer to product disclosure or ask a private banker for complete details.

²We do not provide legal or tax advice. Please consult your legal or tax advisor.

³All balances will accrue interest at the variable standard Annual Percentage Rate (APR) that can range from Prime - 1% (currently 7.50% APR) to Prime (currently 8.50% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time (or 16% in Georgia). Information accurate as of 08/14/2024. 

⁴If the value of the client’s portfolio declines and is no longer sufficient collateral for the line of credit, the Bank may require you to repay a portion of the loan or post additional collateral. Capital City Bank also may require full repayment at any time. Securities or other assets in any collateral account may be sold if the required portion of the loan cannot be repaid or the additional collateral posted. Client is not entitled to a repayment or collateral call extension nor entitled to choose which securities or other assets will be sold. Client may lose more funds than deposited in such collateral account.