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Lending solutions

A strategic approach to credit can be integral to your financial plan.

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Using credit as a strategic tool

Credit can be a powerful financial lever when applied effectively. The key is knowing how and when to use credit. We’re here to show you the best ways to make credit an important part of your overall financial plan.

Truist lending benefits

As a Truist Wealth client, you benefit from lending solutions that address both your personal and business needs. Working with your attorney, CPA, and others you designate, your Wealth team includes specialists who can advise you in each phase of your financial journey.

Securities-based lendingDisclosure 1

A securities-based line of creditDisclosure 2 can help you meet your liquidity needs while supporting your overall investment strategy.

Customized lending

Explore tailored financing options from Truist designed to meet your unique needs in aircraft, fine art, and marine/yacht lending.

Mortgages for high-net-worth clients

Get flexible loan-to-value options and our most competitive rates on new home purchases or mortgage refinancing.

Life insurance premium financing

Life insurance is an essential part of an estate plan—but premiums can be expensive.   Financing premiums may limit your tax exposure and help you avoid liquidating your portfolio.

Commercial real estate lending

With a commercial real estate loan from Truist, you’ll get the professional guidance you need to help meet your financing goals.

Credit solutions for most any situation

Whether your needs are for charitable, business, legacy, or personal reasons, we’re equipped to help. Our recommendations balance your current circumstances with your future goals.

Personal credit solutions

  • Emergency credit needs
  • Personal expenditures
  • Financing for vehicles, homes, aircraft, and watercraft
  • Bridging cash flow

Business investment solutions

  • Startup and expansion
  • Real estate acquisition and project completion
  • Business acquisition and transition planning
  • Buy-in equity financing 

Charitable, legacy, and customized solutions

  • Philanthropic and charitable planning
  • Asset diversification
  • Asset finance
  • Tax and estate planning

Big-picture thinking

We take a wide-angle view of your entire financial landscape. Then we identify the most effective funding sources to capitalize on opportunities or cover major expenses without disrupting your overall financial strategy.

You’ll get answers to difficult questions, such as:

  • When do I rely on savings and investments to help meet major cash needs—and when do I look to other sources?
  • How can I leverage my assets to purchase a home or commercial real estate, buy into a business, or take advantage of an investment opportunity?
  • How much credit is optimum at any stage in life—and what are the best steps for structuring my credit?
  • What are the potential tax implications of credit-related actions?

Online & mobile banking with Truist Wealth

Everything you need—and so straightforward

Financial and investment overview

Easily view and interact with all your investment accounts.

Financial planning tools

Use powerful tools to help you see your next opportunity.

Investment portfolio

Viewable through Online Banking and the Truist Mobile Banking App.

Learn more about Truist online banking.
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Disclosure 1 Borrowing against securities may not be appropriate for everyone. Truist offers many alternatives to securities-based lending to accommodate your financing needs. You should consult your independent tax and legal advisors to fully understand the implications associated with pledging securities as collateral for a securities-based line of credit and to determine whether securities-based lending is appropriate for you.

Truist Investment Services, Inc. (TIS), a registered broker-dealer, may act as a securities intermediary for certain banking and lending related products and services offered by Truist Bank, an affiliate of TIS. Your TIS advisor may receive compensation for any securities-based lending (SBL) transaction you undertake with our affiliate. You understand that your advisor and TIS, or its affiliate, Truist Advisory Services, Inc., (collectively, the “Firm”) may benefit financially from the SBL transaction, such as compensation paid on the amount of the loan or on the outstanding balance of the loan at any time, as well as the normal compensation arrangement associated with the account(s) pledged for a SBL product which may be greater for the Firm as a result of undertaking a SBL transaction than if it were not taken, and TIS discloses this conflict of interest to you. Your advisor may also provide information and other marketing materials which you may use to determine whether securities-based lending is appropriate for your financing needs. Any information contained within these materials is not indicative of a client’s actual experience and is not a guarantee of approval for any products or services. You should review the risks of securities-based lending outlined in this document and carefully consider if entering into a SBL transaction is appropriate for you.

Disclosure 2 Some restrictions on the use of loan proceeds from a securities-based line of credit may apply under the loan documents and applicable laws and regulations. For example, you may not use a non-purpose securities-based line of credit to purchase securities or refinance a loan used to purchase (“carry”) securities. Purpose loans, where proceeds will be, or were, used to purchase, trade, or carry securities, are governed by the Federal Reserve Board’s Regulation U (“Reg. U”), a complex financial regulation. Reg. U requires that if loan proceeds are used (or will be used) to purchase or carry securities, the loan amount cannot exceed 50% of the market value of the eligible collateral. Additionally, purpose loan proceeds cannot be used to purchase securities issued by, underwritten by, or sold by Truist Bank and its affiliates without the Bank’s prior written consent. There are other unique risks associated with purpose loans that should be taken into consideration within the context of the client’s overall investment profile.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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