Turn Borrowing Into a Wealth-Building Strategy

Explore how our Investment Line of Credit (I-LOC) can grow your wealth while giving you financial flexibility.

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

The Investment Line of Credit (I-LOC) is a smarter form of credit that links every dollar you borrow to long-term investments. Unlike traditional loans, which put you in debt with no upside, I-LOC channels your borrowed funds into a diversified investment portfolio—like NASDAQ’s QQQ ETF. You borrow, you invest, and your assets grow over time.

This is how it works

Apply & Get Approved

Receive a credit line based on your financial profile.

Choose your ETF Investment

Pick one of our diversified, low-cost ETFs to help reduce risk.

Automatic Investment

Your funds are invested monthly into your chosen ETF portfolio.

Grow While You Borrow

Your investment compounds over time, turning debt into a financial asset.

Try Our Wealth Time Machine

Want to see what your wealth could look like if you’d started earlier?

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. 7%, 9%) affect results

3. Pick Your Fund

Choose an ETF fund based on your risk profile

4. Pick Your Start Year

Go back in time to 2008 or choose a recent year

Interest Paid

Total since start

Per month

Portfolio Value

Total Gain

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Disclaimer: Simulation results are hypothetical and for informational purposes only—not financial advice.

Benefits of an Investment Line of Credit

An Investment Line of Credit (I-LOC) turns borrowing into a wealth-building tool by investing a portion of the borrowed funds into a diversified portfolio. This strategy leverages market growth, dollar-cost averaging, and compounding returns while offering lower interest rates and smart portfolio rebalancing. I-LOC helps borrowers access liquidity while growing their assets, rather than just taking on debt.

Borrow to Build Wealth

Turn credit into an asset by investing borrowed dollars for long-term growth

Diversified & Disciplined

Funds are invested in diversified, low-cost ETFs chosen to help reduce risk

No Manual Trading Needed

Trading happens automatically and transparently, so you can stay hands-off with confidence

Be the First to Build Wealth with an Investment Line of Credit

Leverage our Line of Credit to Invest

💡 Traditional credit keeps you in debt. I-LOC helps you grow wealth while you borrow.

⚡ Limited early access—secure your spot now and be among the first to experience smarter credit.

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

JOIN THE WAITLIST