Personal Credit Line

Securities-based lending to help your clients prepare for the unexpected.

Add value to your business and retain managed assets, by expanding your wealth management offerings with securities-based lending, to provide your clients with a defined amount of credit they can withdraw upon when needed. Personal Credit Line is a reimagined lending solution from Osaic that leverages an industry-leading technology partner, Supernova, and a long-standing solution partner, Nationwide.

Your Enablement Kit

Reach your clients during their time of need to discuss how a Personal Credit Line can help them cover unexpected expenses.

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Client eBook

Pre-approved digital book that visually explains Personal Credit Line to your client.

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Resources

Pre-approved client materials

Financial Professional resources

Learn from your peers

Amanda Dunlap, Financial Advisor with Osaic Wealth, shares examples of when she helped her clients bridge a financial gap with personal lending.

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Landon and Larry Lawrence, Financial Advisors with Lawrence Wealth Management, provide examples of how they implemented Personal Credit Line into their client’s financial plan.

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Learn how easy it is to get started

Try a Personal Credit Line on your own account(s) first by entering your account information to create an estimate.

Osaic: OneHub > App Settings > Manage Sidebar > Personal Credit Line

After you follow the path above, select Personal Credit Line. On the right of the screen, you will have 2 options: ‘Start Estimate’ or ‘Start Application.’ You will be able to create an estimate or begin an application using any Pershing or NFS account that your rep code is associated with.

Creating an Estimate* will allow you to preview how much of a loan the client would be approved for. If you are testing out PCL and want to see how easy it is to create an estimate, you can stop at this step.
Once an estimate is created, you can create a Proposal that is printable, with details pertaining to the line of credit and proposed rate.
Starting an Application will begin the quick and guided process of setting up the client for the line of credit.

If you have completed a test run creating a Personal Credit Line and generated an estimate for your client, but you have questions, contact the Personal Credit Line team.

Take advantage of special discounted pricing.
*When you create an estimate, you won’t be able to see the discounted pricing. To see the discounted pricing, email personalcreditline@osaic.com and let the team know the line of credit is for your personal loan and they will adjust the rate.

Why choose Personal Line Credit

	Client	Financial Professional
Preserve	Leverage portfolio assets and collateralize savings	Retain managed assets and help keep clients invested
Efficient	100% digital and paperless experience with e-signatures	100% digital and paperless experience with e-signatures
Simplified	Online portal to check balances and withdraw funds	Improved processing time: 1-3 business days, down from 7-10
Attractive	Competitive rates with highly rated lender	Competitive rates with a highly rated lender

Resources

Access the list of frequently asked questions and which teams can help.

Get in touch

If you reviewed the FAQ and have questions, contact the team at personalcreditline@osaic.com.

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Securities and investment advisory services are offered through the firms: Osaic Wealth, Inc., and Osaic Institutions, Inc., broker-dealers, registered investment advisers, and members of FINRA and SIPC. Securities are offered through Ladenburg Thalmann & Co., broker-dealer and member of FINRA and SIPC. Advisory services are offered through Ladenburg Thalmann Asset Management, Inc., registered investment advisers. Advisory programs offered by Osaic Wealth, Inc., are sponsored by VISION2020 Wealth Management Corp., an affiliated registered investment adviser.

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