Investments

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

Personal Financing Home Financing Business Financing Investment Financing

Solutions designed to help you balance both your short-term needs and long-term goals

You may have different financing needs over time. For example, you may be thinking of renovating your home or purchasing a vacation property. You may need funds for tuition or to purchase a business. Or you may want to diversify a concentrated stock position or take advantage of an investment opportunity.

How do you decide which financing solutions are right for you?

Whatever your goals, striking a balance between your cash needs and investments is crucial to your success. With Merrill Lynch and Bank of America, you can take advantage of a breadth of financial solutions, global reach and commitment to personal service.

As a client, you can have the professional investment advice and guidance of your Merrill Lynch Financial Advisor, coupled with the banking assistance of a Bank of America Wealth Management Banker. Together, they can help you create a personalized strategy to help you manage your needs today while you work toward financial goals for tomorrow.

The Housing Crisis

The outlook, the fallout and what you can do about it now — BofA Merrill Lynch Global Research offers important perspectives.

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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.

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

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

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.

100% Home Financing

When combined with one of Merrill Lynch's home financing solutions, these down payment strategies allow you to finance up to 100% of your home's value.

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.

Merrill Rewards for Business^TM Card

Like many business credit cards, the Merrill Rewards for Business^TM card can help you grow your business by giving you the flexibility to pay for what you need, when you need it. However unlike many other business cards, this credit card offers a level of personal service and benefits often only reserved for personal credit cards. Plus, the primary cardholder earns 1 WorldPoints rewards point for every $1 spent on retail purchases. Points can be redeemed for cash, travel, merchandise and gift cards, combined with points earned on your personal Merrill Accolades^® American Express^® Card, or transferred to your personal MERRILL+^® credit card.

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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Merrill Rewards for Business^TM Card

Investment Financing Solutions

Equal Housing Lender

Privacy & Security

Important Legal Information

Important Loan-Cost Disclosures

Investments

Solutions designed to help you balance both your short-term needs and long-term goals

The Housing Crisis

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

100% Home Financing

Business Banking

Business Visa^®

Merrill Rewards for Business^TM Card

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Personal Financing Solutions

Home Financing Solutions

Business Financing Solutions

Investment Financing Solutions

Investments

Solutions designed to help you balance both your short-term needs and long-term goals

The Housing Crisis

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

Tap the Power of Your Portfolio

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