{"id":4538,"date":"2025-10-17T16:40:06","date_gmt":"2025-10-17T16:40:06","guid":{"rendered":"https:\/\/altruist.com\/?page_id=4538"},"modified":"2026-05-29T18:00:50","modified_gmt":"2026-05-29T18:00:50","slug":"sbloc","status":"publish","type":"page","link":"https:\/\/altruist.com\/sbloc\/","title":{"rendered":"SBLOC"},"content":{"rendered":"
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Securities-based lines of credit<\/p>\n\n\n

Cash when your clients need it<\/h1>\n\n\n\n
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See us in action<\/a><\/div>\n<\/div>\n\n\n
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All dashboard information is for informational purposes only.<\/p>\n<\/div>\n\n\n

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The flexible, low-interest way to
offer liquidity to your clients, while
keeping their investments working.<\/h4>\n\n\n
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No need to liquidate securities, alter the investment strategies you’ve already created, or trigger capital gains. Just flexible loans, brought to you by TriState Capital Bank—for that down payment, kitchen renovation, and whatever else your clients need to live their best lives.<\/p>\n\n\n\n

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Get started<\/a><\/div>\n<\/div>\n<\/div>\n\n\n
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Benefits of choosing SBLOC with Altruist<\/h4>\n\n\n
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Low interest rates<\/h6>\n\n\n

Secure loans with highly competitive, industry-leading interest rates, like a Secured Overnight Financing Rate (SOFR) of +2.00%*.<\/p>\n\n\n

*Rates shown are for illustrative purposes only. Actual rates will vary based on line size, collateral type, market conditions, and credit approval. All rates are subject to change without notice.<\/p>\n<\/div>\n\n\n\n

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Flexible terms<\/h6>\n\n\n

Easily customize loan terms to fit your client’s exact financial needs—set personalized timelines, repayment schedules, and more.<\/p>\n<\/div>\n\n\n\n

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No setup fees*<\/sup>\n<\/h6>\n\n\n

Skip setup fees and draw fees—receive loans free of extra costs, when your clients need them.<\/p>\n\n\n

*Other fees may apply including wire fees (charged by sending or receiving banks) that are required. View the Altruist Financial LLC Fee Schedule<\/a> for additional information.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n

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Altruist x TriState<\/h2>\n\n\n

We’re bringing you SBLOC supported by the highly reputable private bank, TriState Capital Bank. Like us, TriState Capital Bank is known for their reliability, quick processing, and exceptional customer service. Our lending relationship choice was clear when we saw their competitive interest rates, flexible loan terms, and customer satisfaction history.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n

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How to begin:<\/h2>\n\n\n\n
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Start now<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n
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Step 1: Apply.<\/h6>\n\n\n

Apply for a loan through the TriState Capital Bank’s Digital Lending Platform (DLP).<\/p>\n<\/div>\n\n\n\n

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Step 2: Get full visibility of loan details on Altruist.<\/h6>\n\n\n

Once approved, loan details and tracking for pledged accounts will be displayed on your Altruist portal, alongside other managed assets.<\/p>\n<\/div>\n\n\n\n

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Step 3: Manage loans easily through the TriState platform.<\/h6>\n\n\n

Draw capital, manage repayments, and customize loan terms through your TriState Capital Bank’s DLP.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n

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Frequently asked questions<\/h2>\n<\/div>\n\n\n\n
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Are there minimums?<\/summary>

Yes. The minimum loan amount you can borrow from TriState Capital Bank is $250,000. In certain cases, TriState Capital Bank may consider smaller loan amounts. Advisors should reach out to TrisState Capital Bank directly for details.<\/p>\n<\/details>\n\n\n

What can clients use SBLOC for?<\/summary>

Securities-Based Lines of Credit (SBLOC) can be used for a wide range of financial needs. Common use cases might be a down payment, home renovations, luxury purchases, tax obligations, weddings, and other large life expenses. SBLOC provides cash to clients without disrupting their investment strategies.<\/p>\n<\/details>\n\n\n

What asset types and accounts are eligible and ineligible?<\/summary>

Eligible: Non-retirement assets such as stocks, bonds, mutual funds, and ETFs.
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Certain asset types are ineligible for use as SBLOC collateral, including:
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