Address cash flow needs and surprises while maintaining the integrity of your portfolio and wealth plan with strategic credit solutions.
Enjoy fast access to cash at competitive interest rates and flexible repayment terms with Royal Bank of Canada’s lending solutions. Our credit strategies provide strategic financing to help you achieve your financial goals, such as:
When you need fast, flexible and convenient financing, an RBC Credit Access Line, offered by the Royal Bank of Canada, provides access to cash while maintaining progress toward your financial goals. Your short, easy online application and loan documents can be e-signed in minutes.
Credit solutions can be a valuable tool for high-net-worth clients, business owners and executives with more complex financial interests. RBC offers a variety of custom credit solutions with minimum loans of $5,000,000. Our lending offerings are flexible for your financing needs. The borrowing options vary from using assets like marketable securities, commercial real estate, cash surrender value of life insurance policies, REIT operating units or unsecured loans.
RBC Credit Access Line is a securities-based, demand line of credit offered by Royal Bank of Canada, an Equal Opportunity Lender and a bank affiliate of RBC Capital Markets, LLC. Subject to credit approval. Securities-based loans involve special risks and are not suitable for everyone. You should review the provisions of the RBC Credit Access Line agreement and related disclosures, and consult with your own independent tax and legal advisors about any questions you have prior to using RBC Credit Access Line. Considerations should be given to loan requirements, portfolio composition and diversification, time horizon, risk tolerance, portfolio performance expectations, and individual tax situations. There are important risks associated with securities-based loans that you should consider:
RBC Credit Access Line is a non-purpose facility. The proceeds of an RBC Credit Access Line may not be used to purchase, trade, or carry margin stock or repay a margin debt that was used to purchase, trade, or carry margin stock. Royal Bank of Canada may demand repayment of all proceeds of RBC Credit Access Line advances that it has reasonable basis to believe were used to purchase or carry margin stock.
RBC Wealth Management, a division of RBC Capital Markets, LLC, is a registered Broker-Dealer, Member FINRA/NYSE/SIPC, and is not a bank. Where appropriate, RBC Capital Markets, LLC has entered into arrangements with the Royal Bank of Canada to help facilitate and service your RBC Credit Access Line. RBC Capital Markets, LLC and its affiliates and their employees do not provide tax or legal advice.
Discuss strategic financing solutions with an RBC Wealth Management financial advisor.
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Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.