> For the complete documentation index, see [llms.txt](https://advisorhub.syntheticfi.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://advisorhub.syntheticfi.com/product-learn-more/how-much-can-i-borrow.md).

# How much can I borrow?

{% hint style="info" %}

## Usually about 50% of a non-retirement portfolio

As a rule of thumb, a client can borrow about 50% of their non-retirement portfolio, or up to 85% with a portfolio margin account. Diversified stocks and ETFs get the most; concentrated or volatile positions get less. Minimum draw is $10,000.
{% endhint %}

The borrowing limit is set by the custodian's margin rules, not by SyntheticFi. SyntheticFi simply borrows up to whatever the account supports. That comes down to which of two account types the client has.

**Keep in mind these figures are the maximum the account allows.** How much a client should actually borrow depends on their risk tolerance, since the more they borrow, the smaller the market drop it takes to trigger a margin call. **Borrowing well under the maximum leaves a larger cushion.**

### The two account types

1. **Reg T margin (most accounts).** The standard margin account at Schwab, Fidelity, and other custodians. It allows up to 50% of the portfolio to be borrowed, less for concentrated or volatile positions. [Reg T borrowing power →](/product-deep-dive/reg-t-borrowing-power.md)
2. **Portfolio margin (qualifying accounts).** A newer program that looks at overall portfolio risk instead of applying a flat percentage to each position. A well-diversified portfolio can often borrow up to 85%. It usually requires a larger account and custodian approval. Ask your SyntheticFi contact whether your client qualifies.

### What changes the number

* **Concentration lowers it.** A client with most of their portfolio in one stock won't get the same limit as a diversified client. Custodians apply a haircut to concentrated positions.
* **Retirement accounts don't count.** Only non-retirement assets can back the loan.
* **There's a $10,000 floor.** Below that, it becomes very difficult to consistently lock in a rate. 

***

[\* Important Disclosures](/disclosures.md)


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