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Bigger Pockets listeners get $250 when you fund any direct indexing strategy.

Tax-aware index investing. Liquidity when you need it.

Borrow up to 70% of your stock portfolio at 4.64% to fund your next deal1. No credit check, no underwriting, and flexible repayment.

4.64%
Screenshot of Frec's direct indexing positions page

BiggerPockets is a participant in Frec's Referral Program being offered by Frec Markets, Inc. and its wholly owned subsidiaries, Frec Securities LLC and Frec Advisers LLC (collectively, "Frec"). BiggerPockets is not a Frec client, and this constitutes a paid endorsement rather than a testimonial, which may not be representative of actual client experiences. BiggerPockets received a one-time fee for the video, creating a material conflict of interest. You will receive $250 in cash if you fund a Frec direct index portfolio via the provided link and keep the funds in the account for 90 days. See terms. No other known material conflicts exist between BiggerPockets and Frec.

High liquidity

Skip credit checks and access your cash nearly instantly, without selling your stocks and triggering capital gains taxes.

For any purpose

You can borrow for any expense. Use the funds to invest in the market, or withdraw to pay for whatever you need.

Flexible repayment

You don't have to make monthly payments. You only need to repay if you exceed your portfolio line of credit limit or your portfolio falls below a certain level.

Fund your next

Home renovation
Investment property
Refinancing

with Frec

Borrow at one of the lowest rates

Our rate is always the Fed rate + 1%, lower than many of our competitor's listed rates.

Loan amount

Frec
Charles Schwab
Fidelity
Vanguard
JP Morgan Chase

$25k

4.64%

11.33%

11.33%

11.50%

11.50%

$100k

4.64%

10.33%

10.33%

10.50%

10.75%

$500k

4.64%

Call

7.75%

Call

10.50%

$1m

4.64%

4.72%

7.50%

Call

9.75%

Borrowing limit

70%

75%

75%

75%

75%

Competitors shown are based on Frec's "Comparing Frec to other direct indexing providers". All info as of January 13, 2026. Rates are based on the Effective Federal Funds Rate set by the Federal Reserve and are subject to change without notice. Terms and restrictions may vary.

Choose from popular indices

Our indices are licensed directly from providers and span market caps, regions, sectors, values, and more.


Start with as low as $20,000 for only 0.09% annually.

direct indexing icon
S&P 500®
direct indexing icon
Dow Jones U.S. Dividend 100
direct indexing icon
CRSP US Mid Cap Growth
direct indexing icon
CRSP US Mid Cap Value
direct indexing icon
CRSP US Small Cap
direct indexing icon
Russell 1000
direct indexing icon
S&P 100®
direct indexing icon
S&P 500® Shariah
direct indexing icon
MSCI EAFE ADR
direct indexing icon
S&P 500® Information Technology
direct indexing icon
CRSP US Large Cap
direct indexing icon
CRSP US Small Cap Growth
direct indexing icon
CRSP US Small Cap Value
direct indexing icon
CRSP US Total Market
direct indexing icon
Russell 2000
direct indexing icon
S&P Developed Markets ADR
direct indexing icon
MSCI World ADR
direct indexing icon
S&P 500® Momentum
direct indexing icon
CRSP US Large Cap Growth
direct indexing icon
CRSP US Large Cap Value
direct indexing icon
CRSP US Mid Cap
direct indexing icon
MVIS® US Listed Semiconductor 25
direct indexing icon
Russell 3000
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S&P Emerging ADR
direct indexing icon
MSCI ACWI ADR

Level up your investing
without leveling up fees

Access low-cost direct indexing

Get tax-efficient market returns, no human advisor needed.

Tax-efficient investing

Automate tax-loss harvesting to unlock potential tax savings.

Make it your own

Invest in multiple indices and make your portfolio personalized to you.

“I picked Frec because of their low-interest portfolio line of credit. It's a great way to access liquidity for real estate investments without having to sell any stocks.”

Chris T.

Senior Software Engineer

Testimonials may not be representative of the experience of other customers. There is no guarantee of future performance or success, and all are current Frec customers and were not paid for these statements.

FAQs

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We support individual, joint, trust and business accounts.

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Check the background of Frec Securities LLC on FINRA's BrokerCheck. Questions? Reach out to us at help@frec.com.

1

Frec allows you to borrow a maximum of 70% of your portfolio value. The amount available to borrow (maximum line of credit) is based on the positions in your portfolio (loan to value of positions range from 0% to 75%). The initial borrow amount available is typically 50% of your portfolio value. This amount can gradually increase to a maximum of 70% when your portfolio appreciates in value. If you transfer assets from another broker, the initial borrow amount received can be higher than 50% if you have accumulated sufficient value in your Special Memorandum Account (SMA) at the delivering broker and the value is sent to us with the transfer. If you are transferring assets from a portfolio margin account, please contact help@frec.com to update your SMA.

Testimonials may not be representative of the experience of other customers, there is no guarantee of future performance or success, and all are current Frec customers and were not paid for these statements.

Frec is making sophisticated investing strategies simple and accessible. By using frec.com, you accept our Terms of Use and Privacy Policy. Frec is only available to US residents. Frec refers to Frec Markets, Inc., and its wholly owned subsidiaries, Frec Securities LLC and Frec Advisers LLC. Read about the services and differences between the entities in our Form CRS.

Product images are for illustrative purposes only.

FREC © 2026 Frec Markets, Inc.
All rights reserved.