Customized Lending

Cash management & lending

You know that a true picture of wealth goes beyond the securities you own.
It includes the borrowing power that your assets convey as well as a
customized approach to your complex financial needs.

Our Approach

Your Private Wealth Management advisor can connect you with credit specialists at Bank of America to help you optimize both sides of your balance sheet, providing a range of offerings designed to recognize and reward the complexities of your wealth. Your credit specialist will work to understand your personal and business goals before creating a strategy designed to help you accomplish your objectives in a timely and cost-effective manner.

You will discuss areas that could be strengthened with additional liquidity, uncover opportunities to finance new ventures or purchases without disrupting your investment portfolio, and consider hedging strategies to help protect your assets against rising interest rates or market swings. The ultimate goal is to design a customized credit strategy to meet your needs.

Bank of America financing capabilities:

  • Credit specialists will work with you from start to finish.
  • Resources include marine, aviation, fine art, hedge fund, derivative and real estate subject-matter experts.
  • Credit facilities are tailored to your time frame, cash flow needs and collateral types.
  • Bank of America has the ability to offer attractive loan structures, competitive rates and flexible terms.1

Services

Liquidity financing

To provide funding for personal or business goals, your Bank of America credit specialist can tailor a source of liquidity to your unique situation.

Wealth transfer financing

Provide for your heirs while deferring estate and transfer tax consequences through Bank of America liquidity strategies that leave your properties, securities and other assets intact.

Investment financing

A Bank of America credit specialist can help you fund a tactical allocation to real assets that may strengthen your balance sheet by producing consistent income.

Lifestyle

Bank of America credit specialists with considerable experience and contacts in niche markets can help you finance lifestyle enhancements without disrupting your long-term investment strategy.

A private wealth advisor can help you learn more.

Find an advisor

Related Capabilities

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Latest Thinking

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1 Credit facilities are provided by Bank of America, N.A., Member FDIC, its subsidiaries or other bank subsidiaries of Bank of America Corporation, each an Equal Opportunity Lender. All loans and collateral are subject to credit approval and may require the filing of financing statements or other lien notices in public records. Asset-based financing involves special risks and is not for everyone. When considering an asset-based loan, consideration should be given to individual requirements, asset portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. A complete description of the loan terms will be found in the individual credit facility documentation and agreements. Clients should consult with their own independent tax and legal advisors.

Custom lending may involve special risks and may not be appropriate for all clients. In particular, structured lending may be subject to additional credit and legal approval because of special risks and restrictions that need to be carefully considered. Real estate financing and specific program options and property types may not be available in all states and may be subject to change from time to time. As a general rule with respect to each client, consideration must be given to capital gains tax implications, portfolio makeup and risk tolerance, portfolio performance expectations, and investment time horizon.

Nonfinancial assets, such as closely-held businesses, real estate, fine art, oil, gas and mineral properties, and timber, farm and ranch land, are complex in nature and involve risks including total loss of value. Special risk considerations include natural events (for example, earthquakes or fires), complex tax considerations, and lack of liquidity. Nonfinancial assets are not in the best interest of all investors. Always consult with your independent attorney, tax advisor, investment manager, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy.

 

Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary. 

This material does not take into account a client’s particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer, or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill financial advisor.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”).  MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill’s obligations will differ among these services. Investments involve risk, including the possible loss of principal investment.

The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.

Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Investment, insurance and annuity products:

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Patent: patents.bankofamerica.com

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