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Lending

A strategic approach to credit can be an integral component of your overall financial plan.

Using credit as a strategic tool

Credit can be a powerful financial lever when applied effectively. The key is knowing how and when to use credit. We’re here to show you the best way to use your resources to make strategic credit a sensible part of your overall financial plan.

Big-picture thinking

We take a wide-angle view of your entire financial landscape. Then we identify the most effective funding sources to capitalize on opportunities or cover major expenses without disrupting your overall financial strategy.

You’ll get answers to difficult questions, such as:

  • When do I rely on savings and investments to help meet major cash needs—and when do I look to other sources?
  • How can I leverage my assets to purchase a home or commercial real estate, buy into a business, or take advantage of an investment opportunity?
  • How much credit is optimum at any stage in life—and what are the best steps for structuring my credit?
  • What are the potential tax implications of credit-related actions?

As a Truist Wealth client, you’ll benefit from lending solutions designed to address your personal and business needs. Working in conjunction with your attorney, CPA, and others you designate, your Wealth team includes specialists in:

  • Personal and commercial mortgages
  • Securities-based lending
  • Liquidity
  • Business acquisition and transition planning
  • Credit restructuring and possible debt reduction
  • Buy-in equity financing for medical, legal, and other professionals
  • Investment and estate planning

Credit solutions for just about every situation

Whether your needs are for charitable, business, legacy, or personal reasons, we’re equipped to help. Our recommendations take into account your current circumstances as well as your future goals.

Personal credit solutions

Funds can be used for a variety of purposes, including:

  • Emergency credit needs
  • Short-term credit needs
  • Personal expenditures
  • Financing for vehicles, homes, aircraft, marine and watercraft
  • Bridging cash flow

–For clients such as business owners, and medical and legal professionals with variable incomes

Business investment solutions

Build and grow your business with funds for:

  • Startup and expansion
  • Real estate acquisition and project completion
  • Equity injection
  • Asset diversification

Charitable, legacy, and customized solutions

Get help with a wide range of credit needs, including:

  • Current and future liquidity needs
  • Short-term and long-term debt
  • Assets as security for loans
  • Tax and estate planning issues

Real-world strategic solutions

Building a legacy

Our client wanted to further his philanthropic goals while continuing to maximize the value of his estate. We facilitated a loan to his foundation, which was then used to fund the construction of a medical college building. This solution helped build his legacy while optimizing his tax-planning strategy.

Protecting the value of a trust

We helped a client lock in the appreciation of a Grantor Retained Annuity Trust (GRAT) by using a loan secured with other assets—and replacing the appreciated assets with the loan proceeds. The loan can now be repaid through the GRAT’s annuity payment or other cash-flow sources. Our client was also able to protect—for the next generation—the trust’s value from gift or estate taxes.

Growing a foundation

Our client wanted to find a way to meet their pledge commitments to a foundation without having to liquidate low-basis stock. We helped them secure a line of credit, which was used to fund their commitments. They’re now free to repay the loan by liquidating shares of stock at a later date when a step-up in basis is expected, thereby reducing estate taxes.

Online & mobile banking with Truist Wealth

Banking at your fingertips

Financial and investment overview

  • Easily view and interact with all your investment accounts.

Financial planning tools

  • Use powerful tools to help you see your next opportunity.

Investment portfolio

  • Viewable through Online Banking and the Truist Mobile Banking app.
Learn more about digital wealth banking.
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Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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