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Portfolio Loans​

Use your investments for fast small business funding — without selling.

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You don’t have to sell your stocks to leverage your portfolio.

Accessing financing to start, buy, or grow your small business can be time consuming, complicated, and hard to qualify for. But if you own stocks, bonds, mutual funds, or other eligible securities, you can leverage your portfolio to get the money you need without having to sell off your securities.

 

Portfolio loans, which are also known as stock loans or securities-based lending, work like a revolving line of credit. This lets you fund your small business or franchise by borrowing and repaying on your schedule — not a bank’s.

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The Benefits of Portfolio Loans

Maintain Portfolio Value

Since you’re borrowing against the assets in your portfolio, instead of liquidating (selling) them, your investment portfolio can continue to grow in value.

Low Interest Rates

Portfolio loan interest rates can be as low as 3% – 4%. Unlike other loans, you only incur interest when you use the funds. That means you’re not penalized if you borrow more than you need.

No Upfront Costs

We can help you establish a portfolio loan for a 4% flat rate. You can pay that fee from your total loan amount, so you don’t pay anything out of pocket.

Rapid Funding

On average, portfolio loans close in about 10 days. That means you can get the money your business or franchise needs in less than two weeks.

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What Are Portfolio Loans?

Portfolio loans let you leverage your stocks, bonds, mutual funds, and other eligible securities to get small business funding without selling your assets.

BENEFITS

  • Up to 80% of your portfolio balance
  • Fast funding
  • No out-of-pocket cost

CRITERIA

  • $85k minimum funding
  • At least $85k in brokerage accounts
  • Stocks & securities publicly trade at $5+ a share
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Why Work with Guidant?

We’re the experts.

Over 35,000 small businesses have gotten their start with us. We know how to get you the money you need to start, buy, or grow your business or franchise.

We’ve got options.

Our full suite of funding options gives you a choice when it comes to financing your business or franchise. We’ll help you find the best option for you — or even combine multiple methods.

We’re with you.

We don’t stop supporting you after you get funded. We’re here for the life of your business. With our robust business services, we’re with you for the long haul.

What Guidant Customers Have to Say

"Guidant didn’t just help us with funding. They helped us believe that someone like me, a digital media guy with zero golf experience, could make this happen."
– Andre Liloc
– Andre LilocCoos Bay Golf Course
“It just made sense. I could use pre-tax dollars I’d already earned — and instead of letting that money sit in the market, I could invest it directly in myself."
– Joe & Denise Carbone
– Joe & Denise CarboneThe Welsh Baker
"If you are going to do a ROBS, why not keep it with the people who actually are experts? It's going to save you a ton of time, frustration, and paperwork in the business."
– Mike Brown
– Mike BrownFlying Locksmiths
“The ROBS program that Guidant helped me through has really made retirement not just possible but opened up an income and way of life that I wouldn’t have had if I left my funds in a traditional 401(k).”
– Terri Candelaria
– Terri CandelariaSpringerville Smoke

Learn more about Client Success Stories

Ready to take the next step?

Get in touch with a Guidant expert to find out which programs, and how much, you qualify for.

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