The Measured Line –

Money for life's big moments

The Measured Line is a securities-backed line of credit (SBLOC) that will enhance your bank’s balance sheet by allowing individuals to easily and affordably borrow against their existing investment assets. SBLOCs provide some of the most attractive risk-adjusted returns on equity of any bank asset.

The Measured purchase program unlocks access to this asset class for community and regional banks in a safe, scalable and profitable way.

Become A Partner
Bank Benefits

Lower Risk Profile, Stable Returns

  • Loans are overcollateralized by highly liquid, public market securities
  • Fixed spread on the Base Rate (SOFR), providing predictable and consistent profitability
  • 0% risk-weighting of the assets
  • Higher yields than buying treasures, with the same balance sheet treatment
  • More manageable interest rate risk due to the variable Base Rate
  • Portfolio or individual loan purchases available for participating banks
  • Minimal operational costs and oversight as Measured handles all client acquisition, underwriting, servicing, risk management, support, portfolio liquidations and recoveries
Customer Benefits

Keep assets invested and under your management.

  • Market-leading interest rates
  • Approval in minutes, funds in days
  • Integrated advice encourages responsible borrowing and continued asset generation
  • Avoid unnecessary capital gains tax events
  • Maximum repayment flexibility; interest only or fixed installment terms
  • Sleeker, cheaper and more efficient than other SBLOC solutions
Product & Program Overview

Loan Features and Risk Management

  • Underwriting and approval: less than five minutes
  • Automated underwriting of a customer’s personal credit, their individual risk tolerance and the risk of their underlying investment assets1
  • LTV: up to 90% depending on the underlying securities
  • Loan Terms: customized to each individual loan draw; interest only or individual installment terms of 1-10 years
  • Line sizes between $10K and $1M+
  • Interest Rates: a fixed premium to the Base Rate (SOFR)
  • Automated risk-management and liquidation; Measured’s perpetual and real-time surveillance engine monitors collateral values and initiates liquidations in real-time in the event of uncured LTV breaches

1Measured leverages S&P for real-time risk ratings of eligible securities.

Use cases

The Measured Line offers simple, efficient leverage3. No matter the time or circumstance, your customers will be able to borrow with ease and comfort. Some of our most popular use cases include:

3Funds can not be used for the purchase of additional securities in an investment account.

Home projects
Measured
6.75%
Personal Loan
21.30%
HELOC
9.10%
Credit Card
20.70%
Travel
Measured
6.75%
Personal Loan
21.30%
HELOC
9.10%
Credit Card
20.70%
Home purchases
Measured
6.75%
Mortgage
7.30%
Sell assets
15-37%
New cars
Measured
6.75%
Auto Loan
7.40%
Personal Loan
21.30%
HELOC
9.10%
Weddings
Measured
6.75%
Personal Loan
21.30%
HELOC
9.10%
Credit Card
20.70%