Investments

Savvy borrowing can transform your cash flow, tax situation and portfolio. Find out how.

Personal Financing Home Financing Business Financing Investment Financing

Financing that's Ready When You Are

Different people have different financing needs over time. How do you decide which financing solutions are best for you? At Merrill Lynch, we believe managing your liabilities is just as important as managing your assets. And, it is important to keep these two parts of your financial life working together to achieve your goals.

Whether you're looking to renovate your home, cover educational expenses, start a new business venture, or have a major life event on the horizon such as a wedding or new baby, we have a wide range of products and services to help you meet your needs. Smart solutions that make the most of your total financial situation — that's the Merrill Lynch Advantage.

More Than Just a Mortgage

Today, there's more to mortgages than shopping for rates. At Merrill Lynch, you'll find competitive rates, plus one of the broadest selections of home financing solutions in the industry. We don't think of a mortgage as "just" another way to purchase a home. It's the cornerstone of managing your wealth successfully and helping achieving the life you want.

The Best Source for Financing May Not Be a Bank at All

At Merrill Lynch, we understand that finding the best financing solution for your business means more than just, "yes, you can have a loan." When you are looking for business financing, the need may be so immediate that you are tempted to jump at the first offer, like the pre-qualified line-of-credit offer that arrives in your mailbox. But lenders and loans vary considerably and finding the best financing for your business involves more than just taking what comes along or comparing a few interest rates.

Tap the Power of Your Portfolio

Financing can be an important part of your investment strategy, allowing you to make periodic investments to rebalance your portfolio and diversify your holdings, exercise employee stock options, implement certain hedging strategies and take advantage of market opportunities — all without liquidating assets or incurring potential capital gains taxes.

While it carries certain risks and may not be suitable for everyone, margin can serve as a flexible, cost-effective and ready source of liquidity.

College expenses don't have to disrupt your cash flow or investment strategy.

Have a tax payment due? Consider a range of choices that fit into your financial lifestyle.

Interest-only payments can give you greater cash-flow flexibility and control

The value of your home is not tied to the amount of equity you have. Money that would have gone toward principal may work harder for you, helping you meet other financing and investment needs.

Why 100% financing may be smarter than a down payment

You could use your savings or sell some of your assets to make a down payment, but then you'd lose the flexibility of having cash available for other uses or disrupt a well thought-out investment plan.

Leverage the equity in your home as a low-cost source of borrowing and benefit from competitive rates, high credit lines and a source of funds that may be potentially tax-deductible (consult your tax advisor).

Business Banking

The Merrill Lynch Business Center is a 24-hour online business banking service designed to provide you with more control over your day-to-day cash management needs. Integrated with the WCMA^® account, you and designated employees can perform a wide range of electronic business banking activities.

Business Visa^®

The Merrill Lynch WCMA Business Access Visa^® Card offers the convenience of automatic debit, eliminates the need for traditional check-writing and provides ATM access to cash.

Lawyer turned restaurateur Patti Nowak Turner's Financial Advisor helped her find the money to grow her business without depleting her investments.

Have a tax payment due? Consider a range of choices that fit into your financial lifestyle.

Whether you want to increase purchasing power, diversify your holdings, meet emerging cash flow needs, borrowing against your portfolio can play a critical role in your wealth management strategy.

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Investment Financing Solutions

Equal Housing Lender Licensing Information Important Loan-Cost Disclosures

Investments

Financing that's Ready When You Are

More Than Just a Mortgage

The Best Source for Financing May Not Be a Bank at All

Tap the Power of Your Portfolio

Interest-only payments can give you greater cash-flow flexibility and control

Why 100% financing may be smarter than a down payment

Business Banking

Business Visa^®

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Credit and Lending

Personal Financing Solutions

Home Financing Solutions

Business Financing Solutions

Investment Financing Solutions

Investments

Financing that's Ready When You Are

More Than Just a Mortgage

The Best Source for Financing May Not Be a Bank at All

Tap the Power of Your Portfolio

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