Banking & lending solutions for both sides of the balance sheet
We understand the importance of managing both sides of your balance sheet and your need for liquidity without disrupting your future investment goals. Through Raymond James and Raymond James Bank, we can offer a comprehensive menu of lending and cash management solutions and capabilities to address both your short-term and long-term needs.
The full array of lending and cash solutions include a home mortgage, a securities-based line of credit (SBLC), commercial real estate loans, cash management solutions and more. We can collaborate with Raymond James Bank on your behalf to help determine the right solution for your unique situation.
-
We offer the versatile financing you are looking for when planning to refinance or purchase a new home, second home or investment property. With competitive mortgage rates and programs available in all 50 states, we can serve all your borrowing needs and be there every step of the way, from application to closing.
Our comprehensive residential lending includes jumbo and conventional loans, including fixed-rate and adjustable-rate mortgages, interest-only options2, pledged securities mortgages3 and construction lending.
Qualifying clients may also receive access to our Private Wealth Mortgage channel, staffed with a team of knowledgeable from specialists in complex, ultra-high-net-worth underwriting.
Commercial lending
We also offer commercial loans of up to $30 million with amortization of up to 30 years to finance a wide range of projects, including apartment/multifamily, retail, hospitality/lodging, office buildings, light industrial/warehouse/distribution and triple-net leased assets.
-
We provide choices that enable you to borrow against securities in a few different ways: securities-based line of credit (SBLC) and structured lending offered through Raymond James Bank, and a Margin account offered through Raymond James & Associates.
Securities-based line of credit (SBLC)
Use this program to borrow against one or more eligible Raymond James brokerage accounts for your personal or business needs. Borrowing needs can include renovating a home, paying for tuition, purchasing luxury items, launching or expanding a business, short-term bridge financing and other similar needs. You’ll enjoy more flexibility with collateral, though only margin eligible positions are considered for collateral (no hedge funds or private equity).
Features and benefits:
- Ability to pledge multiple accounts, which makes this program cost effective and provides flexibility in structure and borrowing power
- Streamlined application process that enables you to sign your application and agreement upfront with no closing documents
- Third-party borrowing option allows you to pledge personal assets for a business or for others, such as a family member looking to start a business or buy a home
- Interest rates based on the market value of pledged assets
Check writing, ACH or wire transfers allow you convenient access to your funds
- Proceeds can be used for most legal purposes except for the purchase of securities
- Easy accessibility to view loan information through Client Access
Pledged accounts must have a minimum $100,000 total market value and cannot be used to purchase securities. Pricing is based on the market value of pledged assets (not the loan approval amount), and the turnaround time is up to five days from application to funding.
Margin accounts
A Margin account, collateralized by your Raymond James account, may provide you with a fast and convenient way to access liquidity to meet short-term borrowing needs and investment opportunities, including the purchase of securities.
Structured lending
As a complement to our standard SBLC options, Raymond James Bank offers a platform for uniquely qualified clients to use collateral such as control/restricted securities, hedge funds, exchange funds, American Depositary receipts (ADRs), non-investment grade bonds and over advances on typical SBLC collateral to borrow at least $5 million or more. Loans are designed to suit a variety of purposes, including commercial real estate, corporate (C&I), aircraft, art/collectibles, and small business (offered through third parties)
