Explore how borrowing can support long-term financial goals

Learn how our Investment Line of Credit (I-LOC) is designed to provide financial flexibility and the potential for long-term asset growth.

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What is an Investment Line of Credit (I-LOC)?

An I-LOC is a smarter form of credit that links every dollar you borrow to long-term investments. - Learn More

This is how it works

Apply & Get Approved

Receive a credit line based on your financial profile.

Set Your Investment Schedule

Choose how much to draw each month (e.g., $1,000/month).

Automatic Investment

Drawdowns are invested monthly into a diversified portfolio, which may include ETFs and Bitcoin.

Invest While You Borrow

Your investments have the potential to grow into financial assets.

^{See disclaimers [2],[3]}

Try Our Wealth Time Machine

Explore how a past investment in I-LOC could have performed over time.

Try our built-in time machine simulator to view past performance using real historical market data:

1. Set Your Loan Amount

Try common examples like $10k, $20k, or $30k.

2. Adjust Interest Rate

See how different rates (eg. 5%, 7%) affect results.

3. Pick Your Fund

Explore ETFs and Bitcoin. Choose an investment vehicle that fits your risk profile.

4. Pick Your Start Year

Go back in time to 2008 or choose a recent year.

^{The I-LOC simulator uses historical performance data sourced from Yahoo Finance.}

Interest Paid

Total since start

Per month

Portfolio Value

Est. Net Return

Before Taxes

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Simulation results are hypothetical and for informational purposes only not financial advice. Displayed gain does not include taxes.

Actual after-tax results may vary based on individual circumstances. ^{See Disclaimer [3], [4], [5]}

Benefits of an Investment Line of Credit

An Investment Line of Credit (I-LOC) allocates borrowed funds into user-selected assets - such as diversified ETFs or Bitcoin - providing a structured pathway for potential long-term financial growth.

^{See Disclaimer [2], [5]}

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Borrow with a Purpose

Use structured credit to support long-term investment strategies with potential to grow assets over time.

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Smarter Credit, Structured Approach

Funds are allocated to diversified, low-cost ETFs and optionally Bitcoin, using a Dollar Cost Averaging strategy - which may help reduce timing-related risk over time.

Potential of Compounding

With consistent investing and time, compounding may help support long-term portfolio growth.

Learn More

The Compound View

Insights on credit, investing, and modern wealth-building. Demystifying how structured borrowing and smart portfolio strategies can work for you.

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How Tax Deferral Might Boost Long-Term Investment Growth

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The Power of Compounding: What Time Could Do for Long-Term Investors

Apr 30, 2025

Understanding Dollar-Cost Averaging: A Consistent Approach to Long-Term Investing

All Articles

Be among the first to explore our Investment Line of Credit designed for long-term financial wellbeing

Leverage our Line of credit to Invest

Traditional credit keeps you in debt. I-LOC supports your financial wellbeing while you borrow. ^{See disclaimers [2],[3]}

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No commitment. Just exclusive updates, early access, and a head start on building your future.

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