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.
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.
Your assets are insured
We’re a member of SIPC, which protects your securities up to $500K, including $250K for cash claims. On top of this, Apex offers excess insurance protection with an aggregate of $150M distributable to customers. Note that this does not cover ordinary loss from market fluctuation.
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 borrowing
Sell 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
Trusted and loved by...
Frec enables me to stay invested in the ideas I believe in. As an angel investor, I can hold onto the winners while having liquidity through Frec margin loans.
Founding Partner of #ANGELS
People who work in tech know that liquidity is paramount - it allows for diversification, optionality and tax optimization. Frec is a great way to take advantage of public markets while also maintaining liquidity via a low cost margin loan.
COO of Brex
Frec levels the playing field by giving everyone access to the same low interest rates that banks offer their best customers.
Co-founder of Instacart
When buying our new home, we knew Frec would let us instantly access cash for the down payment or renovations without having to sell any equities (and paying taxes or selling at an inopportune time). This peace of mind dramatically lowered our stress levels.
Product Lead at Google Photos
Using margin loans is the top piece of financial advice I would give to my 27 year old self when my then employer, Google, went public. I sold a big chunk of my stock to put a down payment on an apartment – had I borrowed and held my stock, its value today would buy 10 apartments! With Frec, margin loans are even easier and cheaper to access.
VC at Greylock Partners
Before Frec, margin calls seemed way too scary for me. With Frec, I feel confident about borrowing on margin because it allows me to play out all the potential scenarios and alerts me to any market changes long before a margin call happens. Frec gives me the information I need to make smart decisions.
Frec makes margin loans easy. With my previous margin loan provider, I had to call in every time to discuss my interest rates, initiate transfers, and figure out my risk of getting a margin call – every step was painful and time consuming.
Early Affirm Engineer
May not be representative of the experience of other customers. There is no guarantee of future performance or success.