Investment Secured Line of Credit


Our Investment Secured Line of Credit (ISLOC1 for short) gives you flexibility. Use your Ameris Bank Wealth Management investment portfolio as collateral to borrow at a competitive rate, while maintaining your investment and cash reserves. Selling securities can disrupt your long-term strategies and can have negative tax consequences2. Using this secured line keeps your plans on track and may offer a lower interest rate than other lending products.

Access cash when you need it.

Use for: 

  • Real estate
  • Investment opportunities
  • Business purposes
  • Weddings
  • Medical expenses
  • Pay tax bills
  • Emergencies

Features: 

  • No minimum advance amount
  • Quick approval process
  • Use existing assets in investment account as collateral
  • Competitive variable rates available

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1Financial products made available or recommended by Ameris Bank that are not bank deposits are not insured by the FDIC; are not a deposit or other obligation of, or guaranteed by, Ameris Bank; and are subject to investment risks, including possible loss of the principal amount invested. The Investment Secured Line of Credit (ISLOC) is a securities based loan/line of credit from Ameris Bank. The ISLOC requires a minimum Ameris Bank management investments account balance of $100,000 with Ameris Bank. Securities-based financing involves unique risks and is not for everyone. When considering a securities-based loan, thought should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. The securities or other assets in any collateral account may be sold to meet a collateral call without notice to the client, the client is not entitled to an extension of time on the collateral call and the client is not entitled to choose which securities or other assets will be sold. The client can lose more funds than deposited in such collateral account. Ameris Bank may demand full repayment at any time. Some restrictions may apply and not all managed accounts are eligible as collateral. All loans and collateral are subject to credit approval.

2We do not provide legal or tax advice. Please consult your legal or tax advisor in regards to your own situation.