Credit

Custom Lending and Credit Solutions for Short-Term Liquidity Needs and Long-Term Financial Goals

A complete picture of your wealth includes the borrowing power of your assets.

Our approach

Strategic borrowing and thoughtful use of credit can help you increase the power of your wealth to pursue your goals. We offer customized lending and credit strategies tailored to your needs, whether you’re looking for greater liquidity, funding for an investment opportunity or a lifestyle purchase, support for your estate planning objectives or help meeting other goals.

Together, your client team and credit executive will work with you and your independent advisors to consider your time frame, assets and overall goals to create individualized strategies that align with your priorities.

On screen camera glides past chess pieces to reveal text “Strategy” as the music rises

Strategy

Please see important information at the end of this video.

Strategy. It’s about the moves you make... and the moves you don’t. Your next move could be...

On screen shot of skyscraper

New business opportunity

a new business opportunity...

On screen footage of a shiny antique car

Once-in-a-lifetime purchase

a once-in-a-lifetime purchase

On screen drone shot of a winery

Or reaching your estate planning objectives. It’s about leveraging your assets to focus on your priorities.

On screen shot of a business woman

Consider your risk tolerance, time horizon, portfolio composition and any capital gain impact when considering a loan.

Strategic borrowing to fund your goals could be a powerful tool to unlock liquidity.

However, borrowing does not come without risk

On screen shot of family washing their dog

Bank of America can help you understand the risks

Asset or securities based financing involves special risks and is not for everyone.

On screen camera glides around a couple looking at a pleasant view

and create a customized lending strategy that can involve borrowing against…

On screen shot of an office building

Commercial real estate, Marketable securities, Hedge funds

commercial real estate, marketable securities, and hedge funds…

On screen shot of a person with an art collection

Yachts, Art collections

yachts, art collections and more.

On screen shot of a credit specialist showing paperwork to a couple

Bank of America’s dedicated credit specialists can provide a wide range…

On screen shot of a person walking onto a balcony to see the overlooking view

of potential personalized credit and lending solutions

On screen shot of the balcony view

to help meet your goals and align with your overall wealth strategy.

On screen shot of a person making a move on a chess board

Contact your advisor to explore if customized lending might be right for you.

It’s your move… Contact your advisor to explore if customized lending might be right for you.

On screen animated tagline

What would you like the power to do?

What would you like the power to do?

On screen Bank of America closing Logo animation On screen disclosures

IMPORTANT DISCLOSURES

The material presented in this video should be regarded as educational information only and is not intended to provide specific advice.

Bank of America, Merrill and their affiliates and advisors do not provide legal, tax or accounting advice. You should always consult with your independent attorney, tax advisor, investment manager, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy.

This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is in the best interest for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

Credit facilities are provided by Bank of America, N.A., Member FDIC, its subsidiaries or other bank subsidiaries of Bank of America Corporation, each an Equal Opportunity Lender. All loans and collateral are subject to credit approval and may require the filing of financing statements or other lien notices in public records. Asset-based and securities-based financing involves special risks and is not for everyone. When considering an asset-based and/or securities-based loan, consideration should be given to individual requirements, asset portfolio composition and risk tolerance as well as capital gains, portfolio performance expectations and investment time horizon. For any loan with securities collateral, the securities or other assets in any collateral account may be sold to meet a collateral call as provided in the definitive loan documents, and the client is not entitled to choose which securities or other assets will be sold. A complete description of the loan terms will be found in the individual credit facility documentation and agreements.

Nonfinancial assets, such as real estate, fine art, farm and ranch land, are complex in nature and involve risks including total loss of value. Special risk considerations include natural events (for example, earthquakes or fires), complex tax considerations, and lack of liquidity. Nonfinancial assets are not in the best interest of all investors.

Banking, mortgage and home equity products offered by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of BofA Corp. Bank of America, N.A., and U.S. Trust Company of Delaware (collectively the “Bank”) do not serve in a fiduciary capacity with respect to all products or services. Fiduciary standards or fiduciary duties do not apply, for example, when the Bank is offering or providing credit solutions, banking, custody or brokerage products/services or referrals to other affiliates of the Bank.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Investment products: Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value

Connect with a Private Client Advisor

Learn more about the benefits of working with Bank of America Private Bank

Find an advisor

Services

Customized Lending

Flexible financing options can help you use your specialized assets such as yachts, aircraft, commercial real estate or fine art as collateral to obtain liquidity to meet your unique goals.

Custom Residential Real Estate

A variety of mortgage products specifically designed to meet your complex income or property needs, including purchasing through a trust or other entity, co-ops, income-producing properties, farms and vineyards.

Private Client Line

A flexible demand line of credit, secured by your marketable securities accounts, can help meet liquidity needs while maintaining your cash reserves and investment strategy.

Standard Mortgage

Most clients' needs can be met with a standard mortgage. These products generally conform to conventional loan structures.

Banking

Cash management and digital banking capabilities.

LEARN MORE

Wealth Planning

Custom tax and cash flow strategies and planning for future generations.

START EXPLORING

Investment Management

An approach to managing your wealth, tailored to your needs.

SEE HOW

Art Services

Specialized services for art collectors and non-profits including Art Lending, Art Planning, Consignment Services and Philanthropic Solutions.

LEARN MORE

Credit facilities are provided by Bank of America, N.A., Member FDIC, its subsidiaries or other bank subsidiaries of Bank of America Corporation, each an Equal Opportunity Lender. All loans and collateral are subject to credit approval and may require the filing of financing statements or other lien notices in public records. Asset-based and securities-based financing involves special risks and is not for everyone. When considering an asset-based and/or securities-based loan, consideration should be given to individual requirements, asset portfolio composition, and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. For any loan with securities collateral, the securities or other assets in any collateral account may be sold to meet a collateral call as provided in the definitive loan documents and the client is not entitled to choose which securities or other assets will be sold. A complete description of the loan terms will be found in the individual credit facility documentation and agreements. Clients should consult with their own independent tax and legal advisors.

Custom lending may involve special risks and may not be appropriate for all clients. In particular, custom lending may be subject to additional credit and legal approval because of special risks and restrictions that need to be carefully considered. Real estate financing and specific program options and property types may not be available in all states and may be subject to change from time to time. As a general rule with respect to each client, consideration must be given to capital gains tax implications, portfolio makeup and risk tolerance, portfolio performance expectations, and investment time horizon.

Borrowing against securities may not be appropriate for everyone and should be carefully evaluated before being used. If securities decline in value, the account holder may be required to pay down the loan or deposit additional securities as collateral. If they cannot do so, all or a portion of their collateral may be liquidated and the proceeds used to pay down the loan balance. A forced liquidation could also have adverse tax consequences or trigger potential capital gains taxes.

Related Insights

Customized yacht financing

Commercial real estate financing

Exploring options for tax payments

TOP