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  • Products

    • Securities-backed lending

    Nationwide Smart CreditSM makes accessing cash simpler, for both you and your client.

    Contact us

    A better way for you and your clients

    For financial professionals: 

    • The client's assets stay intact, which means you keep assets under management
    • You deepen the client relationship by offering valuable credit and loan management solutions
    • You improve client retention by solving for more of their financial needs

    For clients:

    • You provide a cost-effective solution as rates are typically lower than other lending options
    • An SBL can offer flexibility with a variety of monthly payment options
    • Portfolios remain intact, so they don't sacrifice potential growth for liquidity needs
    • It's a solution for needs of all sizes (think anything from braces to yachts)

    The Nationwide difference

      Nationwide Smart Credit Other firms
    Minimum credit line amount $26,000 (allowing broader client reach) $75,000
    Minimum draw
    Required initial amount    		 No initial draw required Initial: $75,000
    Fees None Varies
    Time
    Speed to securing loan    		 Processed in hours or days1 Processed in days or weeks
    Portal
    For financial professionals and clients    		 Cloud-based, fully digital experience throughout the life of the loan (powered by Supernova) Limited portal access/Non-automated for clients

    Need help?
    For more information about Nationwide Smart Credit, call 1-888-543-9122 or email us at smartcreditsales@nationwide.com.

    [1] This assumes fully integrated solution, which allows for real-time inquiry and pull of client and collateral account data. This makes the application and loan agreement process run faster and more seamlessly than lower levels of integration. Fully integrated solutions to activate collateral account lockdown and e-signature of the collateral account control agreement streamlines the underwriting process for decisioning lines of credit and setting approved lines live.

    Representatives do not give legal or tax advice. An attorney or tax advisor should be consulted for answers to specific questions.

    The purpose of a Nationwide Smart Credit line of credit must be for personal, family or household purposes and not for securities investments or to purchase or carry margin securities, which include: (1) stocks that are registered on a national securities exchange, or any over-the-counter security designated for trading in the national market system; (2) debt securities (bonds) that are convertible into margin stock; and (3) shares of most mutual funds.

    California: Loans made or arranged pursuant to a California Lenders Law License. Delaware: Nationwide SBL is licensed by the Delaware State Bank CCL commissioner to engage in business in this State under license number 035414, expires 12/31/2026. Maryland: License Number 1804109. Missouri: Consumer Credit Loan Company registered by the Missouri Division of Finance, license number 367-27-8932. Montana: Montana residents, please click here for important fee and inability-to-pay disclosure statements. Consumer Loan Company License number 1804109. Oregon: License number 1804109. Rhode Island: Rhode Island Licensed Lender. Washington: License number CL-1804109. Click here for state license information and rate and fee disclosures.

    Not available in Mississippi and Nevada.

    Nationwide, the Nationwide N and Eagle, Nationwide Smart Credit and Nationwide is On Your Side are service marks of Nationwide Mutual Insurance Company.

    Nationwide SBL, LLC dba Nationwide Smart Credit (NMLS): 1804109 NMLS Consumer Access: https://www.nmlsconsumeraccess.org/