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Private Banking Securities-Based Lending

Borrow against your portfolio with a flexible and fast financing solution.

Tap into the potential of your investment portfolio by accessing liquidity when you need it most. This approach allows you to maintain your long-term financial strategy without having to liquidate assets at inopportune times for short-term liquidity needs. By leveraging your portfolio wisely, you can meet short-term needs while staying focused on your future goals.

To Schedule an Appointment:

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      Flexible and Convenient

    • Bag with Dollar Sign

      Borrow up to $3 million1

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      Prime and SOFR interest rate options available2

  • Enjoy Flexibility and Convenience:

    A Private Banking Secured Line of Credit from FNB gives you the flexibility to borrow funds based on your needs.3 By pledging your investments, you benefit from lower interest rates and the flexibility of using your Secured Line of Credit for things like short term liquidity needs, real estate or other business investments, bridge financing to purchase that second home, estate planning strategies and a variety of other needs. Whether you use your line for investment purposes, short term liquidity needs or to make a large purchase, a Private Banking Secured Line of Credit provides you the borrowing power and flexibility you need to help meet your financial objectives.

    How a Private Banking Secured Line of Credit works:

    A Private Banking Secured Line of Credit allows you to borrow funds based on your needs, at any time, up to a certain amount—unlike an installment loan that is for a specific dollar amount. As you repay your outstanding balance—the amount of available credit is replenished, meaning you can borrow against it again and again. With this type of loan, you only pay interest on the amount you use. By using your investment account as collateral, we can generally offer higher limits and lower rates than with other forms of borrowing.4  

    Key Features:

    • Secured by an FNB Investment Account, FNB deposits or cash surrender value of life insurance4
    • Flexibility to borrow as needed, repay and borrow again up to your credit limit5
    • Borrow up to $3,000,0001
    • Variable interest rate options tied to the U.S. Prime Rate or One-Month Term Secured Overnight Financing Rate (SOFR)2
    • Easy access to your funds with online transfer
       

    Great For:

    • Short-term liquidity needs
    • Real estate, business and alternative investments
    • Large purchases
    • Gifting and estate planning strategies

  • The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for an Interest Only Unsecured Installment Loan, you will want to have the following information available for your visit with a Private Banker. 

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

With any account, you also get the latest in digital technology:

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Notices & Disclosures

1 - All loan products are subject to underwriting/credit approval.

Bank deposit products and services provided by First National Bank of Pennsylvania. Member FDIC. Investment and insurance products are not insured by the FDIC or any other federal government agency, are not deposits or financial obligations of the financial institution, are not guaranteed by the financial institution and they do involve investment risk, including possible loss of principal. Not all products and services are available in all geographic locations. Your eligibility for particular products and services is subject to final determination by F.N.B. Corporation or its affiliates and acceptance.

FNB is an Equal Housing Lender; NMLS #766529.

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