Turn $1,000,000 in Securities Into $900,000 in Liquidity Without Selling a Share!

You can now unlock 70% to 90% of your portfolio value with fast approvals in as little as 24 hours. Mid-America Commercial Lending delivers portfolio lending solutions that nationwide businesses trust, with interest rates starting at 1.6% and no credit checks.

Keep full control of your securities while accessing up to millions in liquidity.

We Turn Portfolios Into Solutions for Real-World Needs

Business owners and investors often face situations where traditional financing creates roadblocks. Securities-based lending in the US offers a flexible path for those who prefer not to liquidate long-term holdings.

An entrepreneur may need fast access to liquidity for covering payroll during seasonal fluctuations or securing prime inventory before competitors do. Contractors can use margin lending for business expansion when bank approvals take too long and opportunities demand immediate action.

Families with children entering college often struggle with tuition deadlines. Portfolio lending solutions help them tap into existing brokerage accounts without selling stock at the wrong time. Retirees with strong portfolios may also want access to funds for property purchases or medical expenses while keeping dividends intact.

Developers often rely on heavy upfront costs before profits flow in. Margin lending for business allows them to maintain project timelines without disturbing other credit facilities. Non-liquid asset financing creates a way for individuals to unlock capital from portfolios and still participate in future market appreciation.

High-net-worth clients prefer a securities-backed loan provider that operates in all 50 states for urgent needs like tax planning, mergers, or acquisitions. Lending against brokerage accounts provides same-week access to capital for tax planning, mergers, or personal milestones.

Long story short, securities-based lending nationwide adapts to diverse needs and keeps wealth strategies intact while ensuring liquidity is never out of reach!

We Make Accessing Capital Through Your Securities Simple!

Our securities-based lending program delivers immediate access without forcing liquidation of your investments. Approval often arrives in less than 24 hours, and credit lines reach 70% to 90% of portfolio value. Securities remain under the client’s name, and dividends continue without interruption during the credit period.

Rates can reach 1.6% on variable terms. Clients may choose either floating or fixed structures, which allows them to manage obligations in a way that matches individual goals. Documentation remains limited since credit scores or income history do not control the process. Larger requests often close within 3 to 5 business days.

The program allows complete control of the portfolio. Appreciation stays intact, and every dollar of growth belongs to the client. A client may replace shares with equal value when making adjustments inside the account. That structure stands apart from margin lending, where control often shifts away.

Repayment consists only of interest, with no principal required during the credit term. Prepayment penalties do not apply, so clients decide when and how balances reach completion. Eligible securities cover a wide spectrum, and foreign nationals with offshore accounts qualify under the same structure.

The result is a program that protects ownership, preserves growth, and provides liquidity at unmatched speed. Clients retain full authority over their assets while securing immediate capital for business, personal, or investment needs.

Know Exactly What Works for Your Portfolio

Not every asset qualifies for credit, and that often leaves investors guessing. Our program makes it simple with a clear eligibility matrix that shows exactly what can be used. Publicly traded equities, ETFs, investment-grade bonds, and ADRs are all accepted.

That means a diversified portfolio can work for you without being sold off.

Foreign nationals often ask if their positions can be included, and the answer is yes. Accounts with offshore securities fit within the same program. That clarity removes a common roadblock for global investors who want liquidity without unnecessary hurdles.

The strength of these options ties directly to portfolio lending solutions that clients count on. Instead of uncertainty, you know up front where your portfolio stands and how much flexibility it brings.

A transparent framework like this lets you plan with confidence while keeping your holdings intact and your opportunities wide open.

Risk and Safeguards

Markets move. Everyone knows that. The question is what happens to your loan if values dip. With our program, the loan-to-value sits in the 70% to 90% range, which means there’s breathing room built in. You are not pushed to the edge from day one.

If your portfolio starts sliding, you don’t get hit with surprises. You’ll see alerts ahead of time. That gives you the chance to add cash, switch out securities of equal value, or make other simple adjustments.

And if more action is ever needed, the process is orderly. No overnight calls. No forced sales without notice. It’s about keeping you in control while protecting the balance.

This way, you get liquidity, keep your holdings, and know exactly where the safeguards stand.

Commercial Bridge Loans

This direct lender has certain industries and business types that they are unable to fund. Examples include: Used car dealers, Banks and other lending institutions, Insurance carriers Money service businesses, Adult entertainment, Marijuana-related businesses, Non-profit entities, Government entities, Online gambling services. Additionally, they cannot lend to businesses in North Dakota, South Dakota, or Nevada.

SBA loans are also highly versatile — funds can be used for launching a business, expanding operations, refinancing debt, buying property, or acquiring another company. This flexibility ensures the program can adapt to your specific needs.

Why Choose the Debt Restructuring

In the construction industry, having the right equipment at the right time can mean the difference between meeting deadlines and falling behind. Construction Equipment Financing offers a smart, strategic way to secure the machinery you need without the strain of large upfront costs.

One of the primary reasons to choose this option is cash flow preservation. Rather than tying up valuable capital in a single purchase, financing allows you to spread costs over manageable monthly payments, keeping funds available for other critical areas like payroll, materials, and new business opportunities.

This approach also gives you access to high-quality, modern equipment that can improve efficiency, safety, and project turnaround times. Whether you need excavators, cranes, loaders, or specialized tools, financing ensures you can get the best equipment without compromising your budget. With flexible terms and competitive rates, you can select repayment options that align with your project timelines and seasonal cash flow patterns. For businesses that operate on a project-by-project basis, this adaptability is invaluable. Financing also opens the door to upgrades and scalability. This approach also gives you access to high-quality, modern equipment that can improve efficiency, safety, and project turnaround times.