Supercharge your wealth with confidence
Frec makes some of the smartest financial strategies more accessible to you. Earn interest on your cash or borrow against your stocks.
Invest for any outlook
Short term liquidity
Safeguard your cash in low risk, high liquidity money market funds. Access your money at a moment’s notice and take home 100% of the yield.
Long term growth
Hold onto your investments for the long term by spending through a portfolio line of credit. Trade stocks, ETFs, and more as you usually do, commission-free.
Account support
We support individual, business, and trust accounts.
A new player you can trust
Your assets are yours
Your assets are held in your name – meaning that if anything goes south, they’ll find a way back to you. We secure your assets with Apex Clearing, one of the largest clearing firms that helps power Robinhood, Betterment, Wealthfront, Ally, SoFi, and more. In the rare case that something happens to Frec, any assets held at Apex will still be accessible and can easily be transferred to another brokerage of your choosing.
Safeguard your cash while letting it work for you
Store your cash reserves or emergency fund in money market funds, which are cash-like investments in mostly government treasuries.
Your money is fully liquid and always accessible
We don’t keep a dime of your yields – you keep 100% of it
Choose from a variety of money market funds from Vanguard, Fidelity, JP Morgan, & more
Don’t sell your hard-earned stocks
Get access to cash you need today without having to sell your stocks. Borrowing against a portfolio line of credit instead of selling your stocks can help you delay capital gains taxes and lets you take advantage of potential future growth, which could increase your net worth in the long run.
Sell or borrow?
Considering selling your stocks for a purchase? Use our tool to see if borrowing from Frec’s portfolio line of credit is an option for you.
Compare selling vs borrowingSell or borrow?
After 30 years, you could be $2M wealthier by borrowing from a line of credit on Frec instead of selling your stocks.
No monthly payments
Forecast your risk
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May not be representative of the experience of other customers. There is no guarantee of future performance or success.