Your Shares, Our Solutions

Access Your Cash

Do you own stock and are seeking cash?

Don’t sell to make it happen

Are you not deducting interest from your taxes?

Regardless of the use of proceeds, Trove loans deliver interest as a capital loss offsetting your capital gains.

Use cases:

Are you unhappy with current stock loan options?

Banks are okay, but…we have another option

The Difference Is Clear

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

Your Stock, Your Loan

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As a convenience to our clients, we provide access to financial calculators. The results provided by this online calculator are for informational purposes only and should not be construed as financial, legal or tax advice. While we strive for accuracy, the calculations and outputs are based on data entered by the user and general algorithms, We do not guarantee the precision or reliability of the results. Users are encouraged to consult with a qualified professional for specific advice tailored to their individual needs and circumstances. There are certain limitations with the use of these calculators such as the following: The calculator uses standard algorithms and assumptions that may not be suitable for every situation; the accuracy of the output depends on the accuracy and completeness of the data entered by the user; the calculator is not a substitute for professional advice.

By using this calculator, you acknowledge that any reliance on its outputs is at your own risk and you accept these limitations. We are not liable for any losses or damages resulting from the use of misuse of the information provided.

For precise financial advice and personalized loan terms, we recommend consulting directly with one of our financial advisors.

The cash available calculation provided by this widget is based on certain assumptions about your cash needs and is dependent on your portfolio and current market conditions. These results are estimates and may not reflect the actual amount available to you. For accurate financial advice, please consult a Trove financial advisor.

The interest rate provided by this widget is based on assumptions regarding market conditions, including the risk-free interest rate and market liquidity. As interest rates are constantly changing, the rate shown here may differ significantly from the actual rate available at the time of your loan application. For the most accurate and up-to-date information, please consult a Trove financial advisor.

The tax equivalent rate provided by this widget assumes the client is in the top tax bracket and has other capital gains that can be deducted. This calculation is for illustrative purposes only and may not accurately reflect your individual tax situation. For personalized tax advice, please consult a tax professional.

Protect the downside: Trove offers clients the option to hedge their portfolio, mitigating margin call risk and unwanted liquidations from our partner custodian. Hedging decisions are at the client's discretion and depend on their risk tolerance and cash needs. While hedging can increase the cash available, it may also limit the potential upside appreciation of the underlying stock. For personalized advice on hedging strategies, please consult a Trove financial advisor.