BANKING SOLUTIONS TO BROADEN BUSINESS PERSPECTIVES
WE TRANSFORM BUSINESS NEEDS INTO SOLUTIONS THAT GROW WITH YOUR BUSINESS.
The Bancorp has decades of multi-industry banking experience and a technological focus to help our clients achieve sustainable business growth.
AGILE, SECURE & SCALABLE FINTECH SOLUTIONS
Our partners benefit from our financial strength and industry expertise.
The Bancorp deploys custom payments services merging cutting-edge technology with superior regulatory and compliance infrastructure.
Accessing new avenues to leverage existing wealth
Through strategic alliances with nonbank wealth management platforms, we enable independent and registered financial professionals to expand their service offering to better compete with larger and more fully-resourced institutions.
A one-of-a-kind offering to serve you better
The Bancorp Commercial Lending business offers a distinctive set of services which reflect our commitment to meeting your evolving business needs.
Whether you need a small business loan or leasing services for a fleet of vehicles, we can provide you the expertise and financial traction to keep you on the road to success.
COMPETITIVE BRIDGE FINANCING SOLUTIONS
THE BANCORP PROVIDES BORROWERS WITH CERTAINTY OF EXECUTION FOR NON-RECOURSE COMMERCIAL REAL ESTATE BRIDGE LOANS NATIONWIDE.
As a direct lender, we provide a streamlined, single source of origination, funding, and asset management for loan brokers and their clients seeking to purchase and reposition multifamily and other commercial real estate properties.
WE TAILOR BANKING SOLUTIONS TO YOUR BUSINESS NEEDS.
Across our Fintech Solutions, Institutional Banking and Commercial Lending business lines, The Bancorp offers a wide range of products and services that can transform your business needs into long-term, technology-enabled solutions.
GAIN INSIGHT FROM INDUSTRY EXPERTS
OUR FINETICS® BLOG OFFERS TIMELY COMMENTARY ON THE LATEST BANKING TRENDS.
Tap into the mindset of The Bancorp solution leaders as they discuss what’s new in the banking industry and how The Bancorp can help you stay ahead of the curve.
EXPERT COMMENTARY AT YOUR FINGERTIPS
THE BANCORP OFFERS A VISIONARY APPROACH TO BANKING BACKED BY DECADES OF INDUSTRY EXPERTISE.
The Bancorp solution leaders are financial industry experts conversant with the latest banking trends and the next generation of business banking solutions.
THE BANCORP DESIGNS THE FUTURE OF BANKING ONE CLIENT AT A TIME.
We’re not a startup, but we think that way. The Bancorp approaches each client’s needs as an opportunity to develop the next generation of banking products and services.
STRENGTHENING OUR VISIONARY FOUNDATION
THE BANCORP LEADERSHIP FOSTERS AN INVENTIVE APPROACH TOWARD BANKING.
The Bancorp Leadership Team sets the compass for exploring new perspectives that drive continuous organizational growth.
NAVIGATE A REWARDING CAREER AT THE BANCORP
WE’RE INVESTED IN YOUR DEVELOPMENT AND GROWTH.
The Bancorp offers a dynamic work environment and ongoing opportunities to broaden your knowledge and enrich your skill sets.
COMMITTED TO DIVERSITY & INCLUSION
THE BANCORP VALUES THE DIFFERENCES THAT MAKE US UNIQUE.
We cultivate an environment where all cultures, ideas and perspectives are equally acknowledged and respected.
Values-Based Business Practices
ESG principles are integral to The Bancorp’s business strategy.
Our Environmental, Social, and Governance (“ESG”) initiatives guide our business practices to create positive change for our local communities, the environment, our clients and customers, and the banking industry as a whole.
The SBLOC is a strategic way to generate liquidity while preserving assets. As a long-term liquidity source with competitive rates and flexible terms, the SBLOC can simplify the storyline for building client wealth.
Buying a new home can be the next chapter in a client’s life. However, today’s competitive housing market requires being able to quickly close the deal. Whether it’s bridging the funding gap between an existing home sale and a new home purchase or needing additional cash to buy a second home, buyers may fall short of the liquidity they need. While personal or home loans can help, the paperwork and underwriting requirements can take some time, resulting in a missed opportunity.
The SBLOC Takes Center Stage
The good news is that there’s more than one way to generate liquidity when your clients want to buy a home. With The Bancorp Securities-Backed Line of Credit (SBLOC), clients can borrow up to 95% of their portfolio value based on asset type.1 The SBLOC is an interest-only credit line that has no end term. With competitive fixed and variable interest rates, the credit line can be more cost-efficient than conventional loans. When time sensitive opportunities present themselves, the SBLOC’s automated application and underwriting processes streamline the path to funding.
If you're not sure that the SBLOC is right for your clients, we’ve included a real-life example of how the SBLOC helped a prospective homebuyer rewrite the ending of their wealth story.
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Setting the Scene for a New Home Purchase
A financial professional contacted The Bancorp Institutional Banking team about a client who was looking to finance a new home purchase with recently gifted stock. After careful consideration, the financial professional realized that selling the stock would result in capital gains taxes for the client. The financial professional recommended the SBLOC as an alternative way for the client to access liquidity without having to sell their portfolio assets.
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Setting the Scene for a New Home Purchase
By taking the financial professional’s advice, the client was able to use the SBLOC to buy a new home, maintain ownership of their stock, and avoid paying $130,000 in capital gains taxes. The financial professional, using the SBLOC as a strategic wealth management tool, retained his client’s $3 million portfolio and gained $1 million in new assets under management (AUM).
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Headlining Wealth Strategies with an SBLOC
The Bancorp SBLOC is an innovative lending option that provides timely access to funding. Clients, by leveraging the value of nonretirement assets in their portfolio, can play a more proactive role in managing their liquidity needs and building their wealth. In addition to buying a home, clients can use the credit line to pay for home renovations, emergency repairs, and more.3
For financial professionals, the SBLOC offers a way to retain client investment strategies and provide them with more financial flexibility. With no application fees or fees for the portion of the line not in use, clients can apply for an SBLOC in advance of any liquidity needs and have cash on hand when they need it most.4
If you’re worried about your client’s pledged assets during times of market volatility, rest assured that we’ve designed our SBLOC to promote clients' portfolio health. Check out our blog, ""What Market Volatility Means for The Bancorp SBLOC," to learn more. You can also discover more about the SBLOC on our Institutional Banking website.
Stay tuned for more SBLOC case studies in our next installment of the Create Your Own Story series.
Opinions, findings, or perspectives contained in this blog are those of the authors. All references to “The Bancorp” refer to The Bancorp Bank, N.A., the wholly-owned subsidiary of The Bancorp, Inc.
1. The 95% advance rate is for an all-cash portfolio.
2. This case study of an actual client experience shows a potential use of the Securities-Backed Line of Credit (SBLOC). Individual borrower’s results may differ based upon multiple variable circumstances and factors, including, but not limited to: tax and other liabilities, SBLOC borrowing rates, and portfolio drawing power.
3. The SBLOC cannot be used to purchase additional securities or to pay off a margin loan that was used to purchase securities.
4. The Bancorp Bank, N.A. does not charge an application fee. State, local, and/or third-party fees may apply in some states.
Collateral-based borrowing may not be suitable for everyone. Consult a financial advisor about any associated risks. Consult a tax advisor for tax-related matters and an attorney for legal matters. The Bancorp Bank, N.A. does not provide financial, tax, or legal advice. Rates, terms, and conditions of loan products are subject to change without notice.
SBLOC
Securities Based Loan
Securities Based Lending
Portfolio Line of Credit
Homebuying
Home loans
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