Banking & Lending Solutions
Cash Strategies & Lending Solutions offered through Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services. (Except where otherwise noted):
Cash Strategies Consulting - We partner with consultants to design a cash strategy that aligns with your needs for liquidity, safety and return.
Capital Access- A flexible cash management account that provides easy access to funds, allowing you to purchase investments, pay bills, and manage daily expenses with ease.
Cash Sweeps - The Raymond James Bank Deposit Program maximizes FDIC* insurance and allows your cash to earn interest while keeping it accessible.
Securities Backed Lending Options - *A flexible line of credit using eligible assets in one or more Raymond James accounts Securities Based Lending (SBL) and Margin accounts (offered through Raymond James Bank)
Residential Lending - **A wide variety of mortgage loans and programs in all 50 states
Jumbo and conforming loans, Fixed rate and Adjustable rate, A streamlined Private Wealth Mortgage channel for qualifying clients
*A line of credit backed by securities may not be suitable for all clients. The proceeds from a line of credit backed by securities cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards a line of credit. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm may sell the client's securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a Collateral Call. Increased interest rates could also affect SOFR rates (or any successor rate thereto) that apply to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined by (i) the market value of pledged assets and the net value of the client's non-pledged Capital Access account or (ii) the line of credit amount. **Raymond James Financial Services and your Raymond James Financial Advisors do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.
Capital Access- A flexible cash management account that provides easy access to funds, allowing you to purchase investments, pay bills, and manage daily expenses with ease.
Cash Sweeps - The Raymond James Bank Deposit Program maximizes FDIC* insurance and allows your cash to earn interest while keeping it accessible.
Securities Backed Lending Options - *A flexible line of credit using eligible assets in one or more Raymond James accounts Securities Based Lending (SBL) and Margin accounts (offered through Raymond James Bank)
Residential Lending - **A wide variety of mortgage loans and programs in all 50 states
Jumbo and conforming loans, Fixed rate and Adjustable rate, A streamlined Private Wealth Mortgage channel for qualifying clients
*A line of credit backed by securities may not be suitable for all clients. The proceeds from a line of credit backed by securities cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards a line of credit. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm may sell the client's securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a Collateral Call. Increased interest rates could also affect SOFR rates (or any successor rate thereto) that apply to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined by (i) the market value of pledged assets and the net value of the client's non-pledged Capital Access account or (ii) the line of credit amount. **Raymond James Financial Services and your Raymond James Financial Advisors do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.
**Raymond James Financial Services and your Raymond James Financial Advisors do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.