Credit When Your Business Needs It.

Portfolio Credit Line

Borrow against eligible securities in your Business FMA Account -- easily and without selling your investments. With Portfolio CreditLine you borrow only what you need, only when you need it. The amount you borrow and the interest you pay are minimized by automatic repayment whenever funds are credited to your Business FMA Account from deposits, interest and dividend income, maturing investments or proceeds from the sales of securities.

Rates can be much less than those offered by many traditional credit sources. You pay no fees, closing costs or points. There's no application necessary; you can borrow for any business or investment purpose and your loan amount is limited only by the value of your eligible securities at Smith Barney.¹

Express Credit^®

Borrow for business needs, using your personal securities as collateral. Express Credit can be used for any business purpose except to purchase or carry securities.² Loan amounts begin at $25,001.³ Ask your Financial Consultant for details.²

Borrowing against securities involves risk. If the value of securities pledged as collateral declines, you could be required to deposit cash or additional collateral. If you cannot, all or a portion of the securities could be sold to pay off the loan balance. Please discuss risks and other suitability issues with your Smith Barney Financial Consultant.³

Information on Smith Barney Business Client Services

  1. Portfolio CreditLine borrowing power is based on eligible securities in your Business FMA Account or other linked accounts. Linked accounts must be under the same name and identification number as the Business FMA Account. Retirement accounts and certain other accounts cannot be linked for Portfolio CreditLine purposes. Financial statements and credit checks are typically required only for Portfolio CreditLine and Express Credit loans of $10 million or more.

  2. Portfolio CreditLine and Express Credit can also be used for personal needs.

  3. The $25,001 minimum may vary by state, and in some cases could be higher. Additional limitations and availability may also vary by state. In California, loans made pursuant to a Department of Corporations California, Finance Lenders License.

Additional information available upon request.
The information herein regarding non-Citigroup Global Markets Inc. proprietary products has been obtained from sources that we believe to be reliable, but we do not guarantee its accuracy or completeness. Neither the information nor any opinion expressed constitutes a solicitation by us for the purchase or sale of any securities.

For more information, please contact your Financial Advisor.