4942 Tax Time 2023 SBLOC Advisor

The Securities-Backed Line of Credit (SBLOC) advance rate can provide clients with 50%-95% of their nonretirement portfolio value based on eligible asset classes.¹ Rather than sell off assets to access liquidity, clients can easily access the credit line to pay taxes and manage other expenses throughout the year.²

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SBLOC Benefits

A streamlined application process
Retain client assets and investment strategies
Clients can capitalize interest payments by adding them to the loan principal³
Offer your clients more financial flexibility to meet their cash needs
Enhance your wealth-building capabilities with efficient debt management
Provide your clients quantifiable savings compared to selling assets or taking out conventional loans⁴

By offering liquidity options to your clients, you can save them time and money and build a deeper advisory relationship that integrates both assets and liabilities.

TALK WITH CLIENTS ABOUT OPENING OR ACCESSING A CREDIT LINE.

You can find additional SBLOC features and benefits on our SBLOC Page.

1. The 95% advance rate is for an all-cash portfolio.

2. Securities-based loans offered through The Bancorp Bank, N.A. (Bank) cannot be used for the purchase of securities or to pay off a margin loan that was used to purchase securities.

3. Capitalizing interest on a securities-based loan may significantly increase the overall cost of borrowing. Financial professionals should discuss this option thoroughly with clients.

4. Securities-based lending has special risks and may not be suitable for everyone. If the market value of the pledged collateral declines below required level, the client may be required to pay down the loan or line of credit or pledge additional eligible collateral in order to maintain it, or the Bank may require the sale of some or all of the client's pledged collateral. The sale of the client's pledged collateral may cause adverse tax consequences. Pledged collateral may not contain retirement assets.

The Bank does not offer tax or legal advice. Clients should consult a tax advisor or attorney, as necessary.

The Bancorp Bank, N.A. Member FDIC.

© 2023 The Bancorp, Inc.

The Bancorp Bank, N.A., 409 Silverside Road, Suite 105,
Wilmington, DE 19809

REQ0004942 - SBLOC-A