Financing
Box Spread Loan: Get liquidity without selling your investments.
At WE Financial, we’ve got a financing option built for smart investors like you: the Box Spread Loan. Borrow against your portfolio while keeping your investments intact.
Borrow
Borrow against your portfolio while keeping your investments intact.
Low rates
Enjoy low interest rates, unique tax advantages, and repayment terms that fit your lifestyle.
Capitalize
Capitalize on new opportunities without missing a beat.
What is a Box Spread Loan?
Tap Into Your Portfolio’s Power with a Box Spread Loan
A Box Spread Loan is an advanced financial strategy using options contracts to create a secure, low-risk borrowing opportunity. It allows you to leverage your existing investments as collateral, providing liquidity without needing to sell off assets. This keeps your portfolio actively invested, enabling continued growth while accessing funds at competitive rates.
Why Choose a Box Spread Loan?
Savvy investors love this innovative financial tool
A Box Spread Loan uses a specific type of options trading strategy to create a synthetic, low-risk fixed-income position. This structured setup serves as collateral, allowing you to borrow cash while keeping your underlying portfolio untouched. It’s a smart way to unlock liquidity without triggering capital gains or losing exposure to the market—ideal for investors who want flexibility without compromising growth.
Competitive Interest Rates
- Attractive rates (check current rate).
- No hidden fees from WE Financial.
Exceptional Tax Advantages
- Interest payments are fully deductible as capital losses, without limits.
Flexible Repayment Terms
- Pay only interest with no mandatory principal repayments—unless you decide otherwise.
- Keep your portfolio fully invested, allowing continuous growth and returns.
Liquidity Without Selling Assets
- Borrow up to 85% of your portfolio’s value (excluding retirement accounts).
- Use your funds however you choose:
– Buy real estate outright
– Diversify investments for added security and growth
– Shield your portfolio from market volatility– Fund personal dreams or business ventures
How Does a Box Spread Loan Work?
Straightforward, secure, and strategically smart
Think of it as a sophisticated yet accessible way to turn your investment portfolio into a financial springboard. A Box Spread Loan is a well-structured and low-risk solution designed to give you liquidity without compromising your market exposure. It’s straightforward, secure, and strategically smart—built for those who want to stay invested while opening new financial doors.
Your Portfolio is Your Collateral
We use a Box Spread options strategy to create a stable, low-risk financial tool, acting as collateral for your loan.
Get Immediate Liquidity at Great Rates
Access up to 85% of your portfolio's value quickly and easily.
Stay Fully Invested
Your portfolio keeps growing, generating returns while you pay only interest, freeing your cash for other opportunities.
Why Trust WE Financial for Your Box Spread Loan?
our clients feel confident working with us
At WE Financial, we don’t just offer innovative financial tools—we make sure they work for your unique goals. Our clients value the clarity, care, and customization we bring to every interaction. Whether it’s structuring your Box Spread Loan or actively managing risk, we’re by your side with real expertise and transparent communication at every step.
✔ Reliable Expertise
We actively manage your portfolio to maximize protection and performance.✔ Full Transparency
No surprises, just clear, upfront pricing.✔ Personalized Guidance
Dedicated support tailored to your financial goals and lifestyle.
Weigh the pros and cons
Though powerful, Box Spread Loans come with important considerations every investor should be aware of. Like any strategy involving leverage, it carries risks that must be managed with care. These loans are best suited for investors with a solid understanding of their financial objectives and a portfolio that can comfortably support temporary market fluctuations. At WE Financial, we’re here to help you weigh the pros and cons based on your goals and risk tolerance.
Market Risk
Significant drops in portfolio value may require asset liquidation to maintain loan conditions. WE Financial proactively manages these risks.
Liquidity Considerations
Portfolio withdrawals require prior coordination with WE Financial due to collateral constraints.
Interest Payment Flexibility
Interest payments can be paid or rolled over regardless of portfolio performance, potentially adding risk in volatile markets.
Disclaimer
We Financial actively manages risks, but market fluctuations may impact results. Always consult with financial, tax, or legal professionals familiar with your individual situation before making investment decisions.*
Is a Box Spread Loan Right for You?
Whether you’re expanding into real estate, diversifying your assets, or pursuing new ventures, a Box Spread Loan delivers flexibility, advantageous tax treatment, and continuous portfolio growth.
Schedule your free session below to explore how a Box Spread Loan from We Financial can unlock your financial potential today.
Learn More About Box Spread Loans
* 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
FAQ
Still have questions?
We’ve got answers—and if you don’t see yours here, just book a free session below to talk financing options.
What is a Box Spread Loan, and how does it work?
A Box Spread Loan is a financing strategy that allows you to borrow against your investment portfolio without liquidating your assets. It involves creating a “box spread” using four options contracts—two calls and two puts with different strike prices but the same expiration date. This setup results in a fixed payoff at maturity, effectively functioning like a low-interest loan. You receive cash upfront and agree to repay a predetermined amount at expiration, all while your portfolio remains invested and continues to grow.
What are the benefits of using a Box Spread Loan?
Box Spread Loans offer several advantages:
- Liquidity Without Selling Investments: Access up to 85% of your portfolio’s value in cash without triggering capital gains taxes.
- Tax Efficiency: The interest component of the loan is treated as a capital loss, which can offset capital gains for tax purposes.
- Competitive Interest Rates: Borrowing costs are often comparable to or lower than traditional loans, as the implied interest rate is derived from the options market.
- Continued Market Exposure: Your investments remain intact, allowing you to benefit from potential market appreciation.
Are there any risks associated with Box Spread Loans?
While Box Spread Loans are designed to be low-risk, they are not entirely without potential downsides:
- Market Risk: A significant decline in your portfolio’s value could trigger a margin call, requiring you to add funds or liquidate assets.
- Liquidity Constraints: Since your portfolio serves as collateral, accessing or withdrawing funds may be restricted during the loan term.
- Interest Rate Risk: If you choose to refinance or close the position early, changes in market interest rates could affect the cost.
It’s essential to consult with financial professionals to assess whether a Box Spread Loan aligns with your investment strategy and risk tolerance.