Get liquidity from your brokerage portfolio, without selling
We are the first lending provider connecting you to your non-retirement investment brokerage to access liquidity without selling, democratizing securities based line of credit (SBLOC) for all, not only for the wealthy
Not a margin loan, it's a better personal and business loan
Avoid capital gains' taxes. KaiMoney helps you unlock instant liquidity backed by your portfolio of stocks, crypto, bonds, ETFs and more — with fixed-term loans you control. Check out below the benefits and the differences with a margin loan
No credit score
We do not work with FICO score, we work with AI and rules that make credit possible for the new generation of digital assets owners
INSTANT LOAN
Connect to your brokerage to access liquidity in less than 5 minutes. Consent-based asset use and transparent repayment plan through ACH
BETTER RATES
We are committed to offering the best rates you can find online for personal loans / SBLOCs
| Feature | Margin Loan | SBLOC with KaiMoney |
|---|---|---|
| Use of funds | Must stay in brokerage for more trading | Must use externally for personal or business liquidity |
| Risk | Liquidation can happen fast | Liquidation only happening in borderline situations after several notifications |
| Structure | Open loan | Installments-based loan |
| Repayment | Optional, as long as margin | Monthly interest at minimum |
| Custody | Full custody, platform in control | Legal pledging with and without custody |
Current available SBLOCs require at least $100k line of credit (50% LTV) vs. KaiMoney $5k (70% LTV), and their user experience is not seamless. Plus, we get to offer similar or better rates
Join the Waitlist
We are coming for you
Get a 20% discount on our loan origination fee as soon as we're live