Institutional-grade liquidity at Treasury-level rates.

Turn client portfolios into liquidity – 100% tax-deductible interest, assets stay in place.

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Today's Interest Rate
‍1-year fixed
4.40%

Minimum advance:
$10,000

No credit checks or origination fees

Access Institutional liquidity without selling client assets

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Unlock Cash

Unlock cash from your taxable portfolio without selling securities

Industry-Leading Rates

Borrow at rates far below margin loans or SBLOCs

Easy Process

No credit checks, no asset transfers, no origination fees

Exchange Backed

OCC-cleared, exchange-traded option structure provides third-party guarantee

The Strategy Behind a SpreadWise Loan

A box spread is a structured options strategy that acts like a synthetic loan — designed to deliver a fixed payoff at a future date, with little to no exposure to market movements. It combines four S&P 500 index options (two calls and two puts at different strike prices) in a way that mathematically cancels out the risk of the underlying asset. What you’re left with is essentially a zero-coupon bond built from standardized exchange-traded contracts. Because the trade is fully collateralized and cleared by the Options Clearing Corporation (OCC), there’s virtually no counterparty risk. When you take the short side of a box spread (i.e., you “sell” the structure), you receive an upfront cash inflow — similar to a loan — and you repay a fixed amount at maturity, typically 6–12 months out. No credit checks, no asset transfers — just precision-engineered liquidity backed by one of the most trusted clearinghouses in finance.

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Fixed repayment at expiration - no surprises, no floating rates.

Zero market risk - option legs cancel each other out, ensuring no exposure to index fluctuations.

Cash-settled and cleared through OCC - no disruption to your portfolio.

Fast, Transparent, Simple

How the Process Works

Request, roll, resize, or repay at expiration with just a few clicks.

Request

Advisor enters amount & term inside the portal—no option knowledge required.

Construct

Our desk builds the lowest-cost SPX box spread (four legs; single execution).

Fund

Cash wires to the existing custodian account on T + 1.

Floating or Fixed Rates — You Decide

Whether the goal is month-to-month flexibility or multi-year certainty, SpreadWise lets you offer two rate paths with a single click.

Floating Rate Line of Credit

The rate adjusts each month off SOFR, you pay interest only on the balance you use, and you can draw or repay whenever you like—ideal for bridging tax bills, deposits, or short-term cash gaps.

Fixed Rate Term Loan

Choose any term from 3 months to 5 years, make one balloon repayment at maturity, and keep the borrowing cost immune to future rate moves—perfect for real-estate purchases, private-equity calls, or other big-ticket plans.

Creative liquidity strategies tailored to real-world needs

SpreadWise gives advisors a flexible planning tool to unlock liquidity without portfolio disruption — ideal for moments when selling assets, taking out a traditional loan, or triggering taxes just doesn’t make sense.

Real Estate & Home Financing

Tap equity for a down payment, second home, or renovation — without touching long-term investments or risking capital gains.

Bridge Financing

Fund capital calls, tax obligations, or a business gap with low-cost liquidity, delivered in days, not weeks.

Lifestyle Liquidity

Support major purchases — like cars or family vacations — in a tax-smart way. Clients stay invested while using tax-deductible interest.

Debt Optimization

Consolidate high-interest business loans or HELOCs using a fixed-rate box spread structure that may reduce borrowing costs by 2–3%+.

Private Investment Access

Empower clients to seize LP allocations or early-stage startup deals without disrupting their public market exposure.

The SpreadWise Advantage

How Spreadwise compares to alternative lending options.

SpreadWise

Margin Loan

SBLOC

Personal Loan

Typical APR

4.8% – 5.3%

7% – 12%

8% – 10%

9% – 14%

Interest Tax-Deductible

Yes (1256 60/40)

Rarely

Custodian Dependence

Yes

Minimum loan

$10k

Varies

$100k+

Varies

OCC guarantee

Yes

N/A

Usage Restrictions

None

Only Securities

Anything but Securities

None

SpreadWise

SBLOC

Typical APR

4.8% – 5.3%

8% – 10%

Interest Tax-Deductible

Yes (1256 60/40)

Rarely

Custodian Dependence

Yes

Minimum loan

Yes

OCC guarantee

4.8% – 5.3%

8% – 10%

Usage Restrictions

None

Anything but Securities

Hello 👋 I’m Alex, Co-Founder of SpreadWise

Reach out if you have any questions about the process.

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Why SpreadWise Loans Beat Traditional Lending

Transparent & Competitive Rates

Box spreads are priced in the open market — not behind closed doors. S&P 500 index options are among the most liquid derivatives in the world, which means institutional investors actively compete to lend. This dynamic drives down costs, often well below what traditional margin or SBLOCs can offer.

Tax Efficiency Built In

Loans structured with index options may fall under IRS Section 1256, which allows for a blended 60/40 capital gains tax treatment. That means interest may be partially taxed at the long-term rate — a major advantage for high-income clients. (Always consult a tax advisor.)

No Intermediaries, No Hidden Terms

Unlike SBLOCs or private credit, there are no custodial gatekeepers, hidden fees, or shifting rate schedules. Everything is governed by transparent, standardized exchange contracts — and cleared through the OCC.

Flexibility Without Liquidation

Clients can borrow against their portfolio while keeping their holdings intact, allowing for estate planning, investment opportunities, and avoiding capital gains.

Modern Solutions for the Modern Advisor

SpreadWise helps you deliver liquidity without selling assets, triggering taxes, or losing AUM. It’s a seamless, advisor-first solution built to elevate your planning and client outcomes.

Preserve AUM, Strengthen Plans
Keep assets in place while offering creative liquidity solutions. No liquidations means better long-term outcomes — and more managed capital.

Differentiate Your Offering
‍Box spreads are a little-known institutional strategy — you’ll be among the first to offer this innovative tool to clients.

Built for Advisors, Not in Competition With Them
‍SpreadWise is a technology and strategy partner — not a money manager. We serve advisors exclusively, with white-glove support for you and your clients.

Your clients stay where they are. SpreadWise connects behind the scenes with major custodians, so you can unlock liquidity without disrupting accounts.

"SpreadWise unlocks liquidity for my clients without selling assets—preserving AUM, avoiding capital-gains taxes, and giving me new planning tools."

Michael M.
Financial Advisor

See how customers are using SpreadWise

"I used SpreadWise to tap liquidity for a real-estate deal without touching my Amazon shares."

Ryan S.

High-Net-Worth Individual

"We leveraged the platform to bridge funding for a family business transaction —
faster and cheaper than a bank."

Kari M.

High-Net-Worth Individual

"SpreadWise unlocks liquidity for my clients without selling assets—preserving AUM, avoiding capital-gains taxes, and giving me new planning tools."

Michael M.

Financial Advisor

Frequently Asked Questions

What exactly is a Spreadwise loan?

SpreadWise loans are created using a box spread — a structured combination of index options that functions like a fixed-rate, zero-coupon loan. It’s a synthetic borrowing tool backed by institutional liquidity and cleared by the OCC.

Who is the ideal client for Spreadwise?

High-net-worth individuals, business owners, family offices, and clients with concentrated stock positions who need liquidity without triggering capital gains.

Why are Spreadwise's borrowing rates so low?

Box spreads are executed in one of the most liquid markets in the world — S&P 500 index options — where institutional lenders compete, driving borrowing costs close to risk-free rates.

Are my clients’ assets safe and do they need to transfer them?

Asset transfers are not required. Clients’ assets stay at their current custodian (e.g., Schwab, Fidelity), and SpreadWise integrates directly to facilitate the strategy.

Will this affect my client’s credit?

No. There’s no credit check, no reporting to credit bureaus, and the borrowing is fully collateralized by the investment portfolio.

How fast can clients receive funds?

Once approved and the strategy is executed, funds are typically delivered to the client’s account the next business day.

How much can a client borrow?

Depending on portfolio composition, clients may borrow up to:
– at least 50% of equities
– at least 70% of bonds (with portfolio margin)
– at least 90% of Treasuries (with portfolio margin)

What are the risks?

While early exercise and forced liquidation aren’t a concern (due to European-style options), risks include market illiquidity during rare events and interest rate sensitivity on longer-term loans.

Can clients still trade while using SpreadWise?

Yes. Clients maintain full trading access to their accounts, including those used for collateral.

What fees does SpreadWise charge?

A flat 0.60% annual fee (billed monthly) on the borrowed amount.

If you have any further questions or just want to reach our team, click the button below.

Get in Touch

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Spreadwise LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). The content provided here is for general informational purposes only and is not intended as tax, legal, or accounting advice. You should consult with a qualified tax advisor, attorney, or accountant before acting on any of the information presented.

Investing involves risk, including the potential loss of principal. Outcomes are not guaranteed unless specifically stated. Prior to implementing any investment strategy, we recommend speaking with a licensed financial professional and/or tax advisor to determine its suitability for your unique situation.

All interest rate and tax-related information is current as of 06/26/2025 and represents Spreadwise LLC’s best available market estimates. The rates provided are illustrative only and do not constitute an offer or guarantee of execution at those levels.

*Displayed interest rates are examples only and may change with market conditions. Spreadwise’s advisory fees are not included in quoted rates.

†Any projected interest rate or tax benefit calculations are hypothetical and meant solely for illustrative purposes.

You can review Spreadwise LLC’s registration and disclosures on the SEC’s website. For more detailed information, please see our Form CRS and Firm Brochure.

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