- Manage your annual cash flows and potential tax liabilities
- Access equity from your portfolio of artwork or collectibles
- Respond to changing interest rate environments with strategies to help manage borrowing costs and portfolio risk
Personalized lending strategies
Unlock liquidity and manage your cash flow needs with guidance from your Wealth Advisor. J.P. Morgan offers a broad range of personalized lending strategies, providing you with flexible credit options tailored to your financial plan.
A suite of customized lending options
A suite of customized lending options
Securities-based lending
Use your marketable securities--such as stocks, mutual funds, and bonds--to access capital without having to sell or liquidate your investments.
Custom lending
Explore custom financing options and strategies to help you buy or sell specialized assets like fine art, yachts, private aviation and more.
Margin lending
Use credit to trade or purchase securities, and access liquidity against eligible collateral with strategies that could include
short sales and options.
Residential home loans
Explore a range of home financing solutions, including fixed-rate mortgages, adjustable-rate mortgages and interest-only adjustable-rate mortgages.
Home equity line of credit
Access a variety of funding opportunities through the existing equity you have built up in your home.
Strategies tailored to your needs
- Access capital for large purchases, luxury assets or new business ventures
- Create financial flexibility to cover costs like school tuition, tax payments and emergency expenses
- Explore a range of lending options for primary and secondary
homes, condos, co-ops and investment properties - Expand your residential real estate holdings
- Finance home improvement and construction projects
- Fund mortgage down payments
Securities-based lending can serve diverse goals
A securities-based line of credit can be a valuable strategy for meeting liquidity needs without having to sell your assets or disrupt your long-term wealth strategy.
Your Wealth Advisor will partner with our Lending Solutions team to create a financing agreement that works best for you.
Financial flexibility
Whether it’s a large financial obligation, planned expense or unforeseen opportunity, you can access liquidity for almost any purpose without maintaining high cash balances.
Option to remain invested
By keeping your investment plan and asset allocation intact, you may potentially defer capital gains and subsequent tax implications that a liquidation can trigger.
Cost-effective working capital
As the need for working capital fluctuates, a Portfolio Line of Credit may be used to supplement cash flow needs. There is typically no cost to establish the line of credit, and you only pay interest on the funds you use.
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Lasting family wealth
Our seasoned specialists help support your family dynamics and governance, philanthropy, lifestyle and family office needs.
Holistic investment management
Your Wealth Advisor will help you allocate your assets, navigate market trends and capitalize on investment opportunities that align with your goals and priorities.
Integrated banking services
Access tailored products and services to help you manage your day-to-day cash flow, and get ongoing support from our dedicated banking service team.
IMPORTANT INFORMATION
Securities-based lines of credit are extended at the discretion of JPMorgan Chase Bank, N.A. (“Chase Bank”) and Chase Bank has no commitment to extend a line of credit or make loans available to you under a line of credit. Any loan extended under a securities-based line of credit is subject to credit approval by Chase Bank and, if approved, the terms and conditions contained in definitive loan documentation governing the line of credit. Proceeds from a securities-based line of credit cannot be used to purchase, carry or trade securities. A line of credit collateralized by the securities in your investment account(s) involves certain risks and may not be suitable for all borrowers. Chase Bank assigns values to these securities and, at any time and without notice to you, may increase or decrease these values or change the eligibility of these securities as collateral. A decline in the value of these securities collateralizing your securities-based line of credit (whether due to a market downturn, market volatility or otherwise) directly impacts the amount of credit available to you and may require you to provide additional collateral and/or pay down your line of credit in order to avoid the forced sale of these securities by Chase Bank. The securities in your account may be sold to meet a collateral shortfall, and Chase Bank may sell your securities without contacting you. Some or all of the securities sold to meet a collateral shortfall may be sold at prices higher than their initial cost, which may result in adverse tax consequences. You should consult your tax advisor to fully understand the tax implications associated with pledging securities in connection with a loan. Please review these and other risks in more detail with your advisor, and make sure to read your line of credit documentation carefully so that you fully understand your obligations and the risks associated with this opportunity. An exercise of remedies by Chase Bank in connection with your securities-based line of credit may a ect the performance of your investment management or investment advisory account(s), and may cause such accounts to no longer conform to applicable investment guidelines. When selling securities, Chase Bank is not required to act in accordance with any fiduciary duty Chase Bank and its a liates might otherwise have as your investment manager or investment advisor. It is important to note that Chase Bank and its a liates may earn more if you borrow against your securities and other assets rather than liquidate assets to meet your cash needs. The Secured Overnight Financing Rate (“SOFR”) is a broad measure of the cost of borrowing cash overnight collateralized by U.S. Treasury securities. The SOFR is published by the Federal Reserve Bank of New York and is determined based on certain transactions in the U.S. dollar Treasury repo market. Since the SOFR is an overnight rate, it is published every Banking Day, but is e ective for the Banking Day prior to the date of publication. Refer to your definitive loan documentation for a definition of “Banking Day.” Because the SOFR is administered by the Federal Reserve Bank of New York, the Bank has no control over its determination, calculation or publication, and the Federal Reserve Bank of New York may alter the methods of calculation, publication schedule, rate revision practices or availability of the SOFR at any time without notice. The SOFR is a floating interest rate option, and changes in the SOFR can lead to a higher or lower cost of borrowing.
LEARN MORE ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.
To learn more about J.P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS (PDF) and Guide to Investment Services and Brokerage Products.
This website is for informational purposes only, and not an offer, recommendation or solicitation of any product, strategy service or transaction. Any views, strategies or products discussed on this site may not be appropriate or suitable for all individuals and are subject to risks. Prior to making any investment or financial decisions, an investor should seek individualized advice from a personal financial, legal, tax and other professional advisors that take into account all of the particular facts and circumstances of an investor's own situation.
This website provides information about the brokerage and investment advisory services provided by J.P. Morgan Securities LLC (JPMS). When JPMS acts as a broker-dealer, a client's relationship with us and our duties to the client will be different in some important ways than a client's relationship with us and our duties to the client when we are acting as an investment advisor. A client should carefully read the agreements and disclosures received (including our Form ADV disclosure brochure, if and when applicable) in connection with our provision of services for important information about the capacity in which we will be acting.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA, and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.
JPMorgan Chase Bank, N.A. Member FDIC. This is not a commitment to lend. All extensions of credit are subject to credit approval. Bank products and services are offered by JPMorgan Chase Bank, N.A. and its bank affiliates.
Investments in alternative investment strategies is speculative, often involves a greater degree of risk than traditional investments including limited liquidity and limited transparency, among other factors and should only be considered by sophisticated investors with the financial capability to accept the loss of all or part of the assets devoted to such strategies.
Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call, and that securities in the account may be sold to meet the maintenance call. Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.
Please read additional Important Information in conjunction with these pages.
INVESTMENT AND INSURANCE PRODUCTS ARE:
• NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED