w/Tax Savings
Turning Shares into Solutions
Trove Loans
80%+ Loan-to-Value 
Get more than 80% cash from the value of your stock
Interest Rates
Ultra low rates compared to the competition
Tax Advantaged Borrowing
Interest paid offsets other capital gains
No matter the use of funds
Fixed or Floating Rates
Choose the loan term that’s right for you
You Still Own the Stock
You still get the dividend
Keep Your Shares, Skip The Bank - Inquire Now!
FROM THE BANK
FROM THE MARKET
Stock Loan Comparison Table
| Highlights | Your Bank or Brokerage | Trove |
|---|---|---|
| Interest Rate |
Can be greater than 12% plus Fees | Rates hover around U.S. Treasury Rates |
| Interest Rate Type | Floating | Fixed or Floating |
| Stock Risk | Margin Call Risk |
Stock Hedged |
| Tax Efficiency | Depends |
Offset Capital Gains |
| Client Requirements | Accredited or qualified purchasers only |
No credit check. No accreditation |
FAQ
Anyone with a portfolio size of at least $250,000 and publicly listed securities to serve as collateral is eligible. No credit check required
Publicly traded securities with liquid option markets all qualify. Please connect with us to determine which of your holdings qualify.
Multiple fixed terms are available, including 1, 2, 3, and 4 years, as well as a more frequent reset / floating rate option.
Unlike most portfolio loans, Trove typically hedges stocks and portfolios, protecting against the risk of a margin call.
No, unfortunately, we cannot lend against retirement accounts. Only taxable holdings are permitted.
No. Loans can be closed out at any time during their life without penalty. Interest rate changes may increase or decrease the amount owed relative to the current accrued interest.
No, many clients choose to reestablish the loan and maintain it without any cash movement at the end of the term.
All interest in a Trove loan will be treated as a capital loss, which can be used to offset capital gains elsewhere in your portfolio. This is very different from a typical loan, where the use of proceeds needs to meet specifications to receive beneficial tax treatment.
Maybe! Let us know what you have and we’ll help guide you on what is allowable.
YES! Unlike banks, we specialize in working with clients who have concentrated stock positions. Loan to values for concentrated positions are still favorable at over 80% and interest rates still hover around the U.S. Treasury rate (plus Trove fees).
