Now a common term in financial services, SBLOC (Securities-Backed Line of Credit) was coined at The Bancorp. It’s also one of the most powerful financial tools both an advisor and their client can use. An SBLOC gives an investment portfolio owner the freedom to access the value of their portfolio without disrupting any of the investments within it. Portfolio owners love the freedom and liquidity an SBLOC provides; their advisors appreciate that their carefully-crafted investment strategy stays in place, and as no securities have been liquidated, full assets remain under their management.

Designed expressly for the needs of financial advisors, our Advisor Acquisition Program addresses the unique characteristics inherent in the acquisition or sale of a financial services practice. Designed to facilitate a variety of circumstances, from planned internal succession, an unplanned sale, transition from employee practitioner to sole practitioner and more, The Advisor Acquisition Program is designed with the future in mind. Whatever the circumstance, our intimate knowledge of the industry, coupled with a unique understanding of the financial structure of advisory firms, makes us the best and most trusted source for advisor acquisition financing.

Whether the need is for a cash vehicle in a brokerage account or a creative retirement planning option, the Master Demand Account (MDA) and the Master Demand Account Advantage (MDAA) are strong additions to any financial planning scenario. As the latest alternative to cash balances, the MDA [the first demand account registered with the National Securities Clearing Corporation (NSCC)], and the MDAA outperform money market fund averages while offering daily liquidity. As an FDIC member institution offering a portfolio of financial products and services, we give financial intermediaries a broader range of financial planning tools to deploy on behalf of their clients, enabling them to better retain and attract more client assets.

Our Safe Harbor IRA Program offers an innovative alternative to the high administrative costs incurred by retirement plans on behalf of non-active plan participants. Using advanced and customized technology, the Safe Harbor IRA Program enables plans to easily move terminated or abandoned 401(k) accounts directly to us; we then transfer these funds to FDIC-insured money market accounts offering competitive interest rates to the account owners. Using advanced customized technology, it’s a seamless process that protects the plan fiduciary, meeting all the criteria for due diligence.