Portfolio Lending
Access Funds Without Selling Your Investments
You’ve built an investment portfolio — you shouldn’t have to sell it just to access liquidity. Portage Bank’s portfolio lending allows you to use your stocks, bonds, or managed funds as collateral for a loan, giving you the cash you need while your investments stay intact and continue working for you.
What Is Portfolio Lending?
A portfolio loan is a financial arrangement where you pledge your investment portfolio, such as stocks, bonds, or managed funds as collateral to secure a loan. The loan amount is typically based on a percentage of your portfolio’s value. With our in-house lenders, terms can be customized to fit your specific situation. Your investments remain in place and continue to grow while you access the liquidity you need.
Who Is Portfolio Lending Right For?
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Is this right for me?
Investors who want liquidity without triggering a taxable sale of assets
High-net-worth individuals seeking flexible, short-term financing
Borrowers funding a property purchase, renovation, or bridging transaction
Those covering tax obligations, education costs, or major expenses
Borrowers who want to maintain market exposure while accessing capital
Portfolio Loan Benefits
Keep your investments intact. No need to sell assets to access cash
Potential tax advantages: avoid capital gains from selling positions
Flexible, customizable terms tailored to your portfolio and needs
Faster funding than traditional loans, often approved and closed within days
Local decision-making with direct access to your Portage loan officer
Let’s Talk About Your Portfolio
Every portfolio loan starts with a conversation. Reach out to one of our loan officers to discuss your investment holdings and explore how much you may be able to access, without giving up a single share.
Benefits of choosing Portage
Customization
We work with you to tailor loans to your specific needs and budget.
Ease
Our competitive rates, variety of options, and helpful approach make getting the right loan easy.
Relationships
We’re here to build a lasting partnership and find the best way to help you reach your goals.
*All loans subject to credit approval. Rates, terms, and conditions subject to change. [NMLS #1831756]
**Tax deductibility of HELOC interest depends on how funds are used. Consult a tax advisor for your specific situation.