A box spread loan lets you borrow directly from the market - cutting out financial intermediaries and giving you the lowest rates you’ll ever find.

They also come with unique tax advantages.

For example, borrowing $10K at a 1% rate for 3 years works like this:

Each year, the imputed interest appears on your statement as a capital loss you can use to offset gains - effectively reducing your borrowing cost even further.

At maturity (or earlier), you can roll it forward or pay it off.

We’re using these to:

• Reduce mortgage rates on real estate
  
• Bridge quarterly tax payments
• Make additional investments
• Refinance higher-cost debt