Measured Financial, Inc

While SBLOCs are a powerful lending solution offering convenience and flexibility, there are a few risks associated with this type of loan. 

Adjustable Interest Rates: Our interest rates are variable, so if the base rate changes, your interest rate adjusts as well. In order to avoid excess interest charges, consider paying both interest and principal toward the loan balance each month.

Market Drops: If at any time the value of the collateral falls below the minimum required to support the outstanding loan balance, Measured may request immediate payment of part or all of the outstanding obligations, or require additional cash to be deposited or securities to be pledged. This is what is called a maintenance call.

- If you fail to remediate the deficiency in the account, Measured may sell some of your securities to bring your loan back into compliance.
- Measured will work with the advisors and the clients  to get ahead of any action required on your account. Measured seeks to avoid the liquidation of assets unless truly necessary. 
- For more detailed information, see “What happens in the event of market fluctuations or declines while my securities are pledged as collateral?”

Account Restriction: Assets that have been pledged to your line of credit may not be removed from the account. You may trade one security into another (or into cash), but you will not be able to remove collateral from the restricted account. If you do trade within the account, your borrowing capacity may be reduced in line with Measured advance rates for the type of new security you are purchasing.

- Adjustable Interest Rates: Our interest rates are variable, so if the base rate changes, your interest rate adjusts as well. In order to avoid excess interest charges, consider paying both interest and principal toward the loan balance each month.
- Market Drops: If at any time the value of the collateral falls below the minimum required to support the outstanding loan balance, Measured may request immediate payment of part or all of the outstanding obligations, or require additional cash to be deposited or securities to be pledged. This is what is called a maintenance call. 
 - If you fail to remediate the deficiency in the account, Measured may sell some of your securities to bring your loan back into compliance.
 - Measured will work with the advisors and the clients to get ahead of any action required on your account. Measured seeks to avoid the liquidation of assets unless truly necessary. 
 - For more detailed information, see “What happens in the event of market fluctuations or declines while my securities are pledged as collateral?”
- Account Restriction: Assets that have been pledged to your line of credit may not be removed from the account. You may trade one security into another (or into cash), but you will not be able to remove collateral from the restricted account. If you do trade within the account, your borrowing capacity may be reduced in line with Measured advance rates for the type of new security you are purchasing.