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Lending Services

Lending Services

Securities-based Loans ♦ Portfolio CreditLine®

You can use your securities as collateral to borrow for investments, as well as almost any other business or personal purpose with Smith Barney's Portfolio CreditLine.

Portfolio CreditLine

  • No fees or closing costs
  • Low rates
  • Borrow up to 50% of the value of most of your eligible stocks and mutual funds
  • Flexible repayment schedule; no preset monthly payment; unpaid interest is added to the loan balance
  • Convenient process and access to funds

Get started now

  • If you are a Smith Barney Client with a Financial Management Account (FMA®), you may already be eligible for Portfolio CreditLine.
  • If you do not have an FMA, contact your Financial Advisor.


When used wisely, borrowing can be beneficial to your total wealth management.


Investments held at Smith Barney are not FDIC insured, not bank guaranteed and may fluctuate in value including loss of principal.


Portfolio CreditLine is a registered service mark of Citigroup Global Markets, Inc. Borrowing against securities may not be suitable for everyone. If the securities used as collateral decline in market value below maintenance levels, the client may be required to pay down the loan or deposit additional securities as collateral. If the client cannot do so, all or a portion of the collateral may be liquidated and a potentially taxable event may occur. A payment default may result in the loss of the pledged securities.


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