Lending
Liquidity without liquidating
Borrow against eligible portfolio assets or qualify unsecured. Draw only what you need, pay interest only on the balance outstanding.
- Secured APR from
- 7.99%
- Limits
- $5k–$500k
- Draw fee
- $0
Line of Credit — current tiers
Live · refreshes automatically| No published tiers. | ||||
Rates are indicative, variable, and subject to change. Fees shown exclude third-party charges.
Eligibility
- 18 years or older (19 in AL and NE) with a valid US Social Security Number.
- Minimum FICO 680 for unsecured lines; 660 for portfolio-secured lines.
- Verifiable income and a debt-to-income ratio at or below 45%.
- Secured lines require $10,000 or more in eligible marginable securities held at Unicorn.
- Retirement accounts, custodial accounts and non-marginable securities cannot be pledged.
Fees & charges
- Application fee
- $0
- Annual fee (secured)
- $0
- Annual fee (unsecured)
- $50
- Draw / advance fee
- $0
- Late payment
- $25 or 5% of payment
- Returned payment
- $25
Disclosures
- All credit products are subject to credit approval. Advertised APRs are the lowest available and depend on creditworthiness, collateral and line size.
- Rates are variable and indexed to the Prime Rate plus a margin; your APR can increase after account opening.
- Securities-backed lending involves risk: a market decline may trigger a maintenance call requiring additional collateral or repayment, and we may sell pledged securities without prior notice.
- Interest on personal borrowing is generally not tax deductible. Consult a tax professional.
- Unicorn Investment & Securities is an equal opportunity lender.