Lending Services

The Bancorp Institutional Banking business develops lending solutions that can build flexibility into wealth management plans. With competitive interest rates, lower fees compared to traditional lending1 and potential tax advantages2, financial professionals and their clients can benefit from lines of credit based on the value of portfolio assets or eligible insurance policies. With efficient application and underwriting processes that promote timely access to funding, financial professionals have the solution to clients’ cash needs at their fingertips.

Access Cash, Preserve Assets

SBLOC

A Securities-Backed Line of Credit (SBLOC) offers fast access to funding based on the value of a client's portfolio assets.1-3

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IBLOC

The Insurance-Backed Line of Credit (IBLOC) can provide up to 95% of the cash value of a client’s whole life, universal life, or indexed universal life insurance policy.4-7

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Advisor Financing

Conventional loans for financial professionals seeking to merge with or acquire a practice, restructure debt and more.

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Transition Services

With our SBLOC, financial professionals can transition to independence and retain valued clients.2

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The Bancorp Advantage

Always a Partner

We don’t compete with financial professionals but develop banking products and services to help them better manage client wealth. 

Client-First Approach

While we don’t manage wealth, we do keep clients’ financial health in mind with a conservative approach to evaluating client assets.

Competitive Pricing

Our goal is client success. That’s why our loans offer some of the most competitive rates and terms in the industry.

National Service

Our Institutional Banking team is strategically located throughout the U.S. to provide a high-touch client experience.

  1. The Bancorp Bank, N.A. (Bank) does not charge an application fee. State, local and/or third-party fees may apply in some states.
  2. Securities-based borrowing has special risks and 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 Bank does not provide financial, tax or legal advice.
  3. An SBLOC cannot be used for the purchase of additional securities or to pay off a margin loan that was used to purchase securities.
  4. Policy must be issued by an approved insurance carrier. Contact your Regional Business Development Officer for our current list of approved carriers.
  5. Funding is subject to credit approval and underwriting.

  6. There may be an adverse tax consequence to clients pledging the policy as collateral for a loan. It is strongly recommended that clients consult with a tax advisor before pledging the policy.

  7. Collateral Lending Value is an amount equal to the sum of the then cash surrender value of the policy to which the pledgor is entitled, multiplied by such percentage as the Bank may determine in its discretion, not to exceed ninety-five percent (95%).