Lending solutions

Banking and lending services

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:

  • Prepare financially for the unexpected
  • Avoid potentially unwanted taxable events and transaction costs
  • Seize timely opportunities
  • Fund real estate purchases or make business investments
  • Refinance higher-interest debt

RBC Credit Access Line

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.

  • Enjoy lower rates, flexible terms
  • Option of variable or fixed interest rates
  • Convenient online application and servicing
  • Monitor your account with the real-time online client portal
  • No fees to open, maintain or cancel. No penalties if you never use it.

Structured lending solutions

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:

  • You will be required to deposit additional cash or securities, or pay down the line of credit, should the value of your securities decline below the percentage equity you must maintain or the percentage equity you must maintain increase. During a market downturn in which the securities in your portfolio decline in value, the percentage equity you must maintain will cause your losses to be greater than if there were no loan against your portfolio. Your losses can exceed your original collateral amount.
  • You are not entitled to an extension of time to satisfy equity percentage requirements.
  • Should you be unable to maintain the required percentage equity, some or all of your securities may be sold without prior notice to you. In the event of such a sale, you will not be entitled to choose which securities are sold, your long-term investment strategy may be interrupted and you will be responsible for all resulting fees and tax consequences.
  • Royal Bank of Canada may increase equity percentage requirements at any time without prior notice to you and may require you to pay down your line of credit, in part or in full, at any time and for any or no reason.
  • The rates, terms and conditions of your RBC Credit Access Line are subject to change in accordance with the terms of the RBC Credit Access Line agreement.
  • Should the rate of your RBC Credit Access Line be set to float against an index, you will be subject to greater interest costs in a rising interest rate environment.

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.

Make the most of your opportunities

Discuss strategic financing solutions with an RBC Wealth Management financial advisor.

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