Valor — A Credit Card Backed by Your Assets

Architect Your Financial Future

Valor lets you access liquidity from your brokerage accounts, home equity, and life insurance cash value without selling assets. Spend anywhere Visa is accepted while your portfolio remains invested — borrowing against your assets doesn't itself trigger capital gains or require liquidating positions.

Spend without selling. Borrow against your portfolio with competitive simple-interest rates. No capital gains from borrowing — your assets stay invested.

How it works

1. Link your brokerage, home equity, or life insurance cash value.
2. Get an LTV-based credit line with real-time underwriting (no hard credit pull).
3. Spend with the Valor Visa card or draw cash to a linked bank account.
4. Flexible repayment with no fixed amortization schedule — interest accrues simply, never compounding. Your credit line is subject to maintenance requirements based on collateral value.

Products

• Securities-Backed Line of Credit (SBLOC) — up to 50% LTV against stocks; up to 60% LTV against bonds and diversified holdings. Subject to maintenance requirements; market declines may require additional collateral or repayment.
• Life Insurance Line of Credit — up to 80% LTV against whole life cash value. Borrowing against life insurance cash value does not itself create a taxable event, but certain policy structures may have tax implications. Consult your tax advisor.
• Crypto-Backed Line of Credit — BTC/ETH (coming Q1 2027). Crypto assets are highly volatile and subject to significant collateral maintenance requirements.

Who it's for

High-income earners, business owners, and mass-affluent households who are asset-rich and want tax-efficient liquidity without selling long-term positions.

If your assets are concentrated in a single stock — such as employer RSUs or equity grants — please review our risk disclosure before applying. Concentrated positions carry elevated risk of rapid collateral value decline and may result in forced liquidation.

Important Risk Information

• If the value of your collateral declines, you may be required to repay part of your balance, post additional collateral, or have assets liquidated — potentially without prior notice.
• Forced liquidation of investments may result in capital gains taxes and realized losses at a time and price outside your control.
• Customers with concentrated single-stock positions face elevated risk of rapid collateral value decline.
• A securities-backed line of credit is not suitable for all borrowers.
• Valor Credit does not provide investment, tax, or legal advice. The information on this page is for general informational purposes only.

Please review our full Risk Disclosure and consult a qualified financial or tax advisor before applying.