Access liquidity at attractive rates

At QFS, we offer an innovative financing solution: the Box Spread Loan. This approach allows you to borrow against your portfolio while keeping your investments intact. With low interest rates, tax advantages, and flexible repayment terms, it is an efficient way to leverage your assets and seize new opportunities.

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Why Choose a Box Spread Loan?

  • Competitive Interest Rates

    • Cuts out the middleman to provide direct access to market funding
    • Multiple lenders compete, creating efficient pricing and lower rates
    • Interest rate 1.5 - 2%+ lower than other lending programs

  • Significant Tax Advantages

    • Interest paid on the loan is fully deductible as capital losses, with no limit
    • Schwab automatically tracks the capital loss and includes it in your 1099

  • Flexible Repayment Terms

    • Only pay interest, with no obligation to repay the principal unless you choose to
    • Take advantage of drops in interest rates by refinancing, while being hedged against increases in interest rates

  • Access Liquidity Without Selling Investments

    • Borrow up to 85% of your portfolio’s value for:
      – Purchase real estate in cash (Hybrid Mortgage)
      – Refinancing expensive, non-deductible SBLOCs
      – Increasing liquidity for tax-advantaged investments
      – Financing personal or business projects

Understanding the Risks of a Box Spread Loan

While a Box Spread Loan is a powerful financial tool, it’s essential to be aware of potential risks:

  • 📈Market Risk

    • If your portfolio value drops significantly, some assets may need to be sold to meet loan requirements
    • QFS actively monitors and manages risks to minimize disruptions

  • 📃Disclaimer

    • While QFS works to manage risks, market conditions can impact outcomes
    • This strategy may not be suitable for all investors, as it involves risks related to market fluctuations
    • Consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions*

  • ⏸️Liquidity Restrictions

    • Your portfolio serves as collateral, meaning withdrawals require prior discussion with QFS, as they may impact the overall risk profile of your portfolio

Is a Box Spread Loan Right for You?

Whether the goal is to invest in real estate, refinance outstanding debt, or access liquidity for new opportunities, this loan provides flexibility, tax benefits, and the potential for continued portfolio growth

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* Nothing in this material constitutes a solicitation for the sale or purchase of any securities. Past performance does not guarantee future performance. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost.