Borrow against eligible securities in your Investrade® account to invest with greater flexibility or access capital – without liquidating your portfolio.
Margin trading enables you to borrow funds from Investrade using eligible securities in your brokerage account as collateral. This borrowing capacity – often referred to as buying power – can be used to purchase additional investments or to access cash for other purposes, while remaining invested in your portfolio.
Because margin involves borrowing, changes in the value of your holdings directly affect your account equity. As a result, margin trading amplifies both gains and losses and requires ongoing attention to equity levels, market conditions and your broader trading strategies.
Margin loans are best suited for disciplined investors who understand how borrowing works, how interest accrues and how margin requirements are maintained over time.
Want a deeper explanation? Read our in-depth guide to margin trading 
Investrade offers tiered margin rates that decline as your average daily debit balance increases. Rates are tied to Investrade’s base rate – set by comparing various commercial interest rates, internal and external cost factors and other competitive factors – and may change as market conditions evolve.
As of November 2025, Investrade’s base rate is 8.95%.
Less than $25,000
Base Rate
8.95%
$25,000 - $49,999
Base Rate - 0.5
8.45%
$50,000 - $99,999
Base Rate - 1
7.95%
$100,000 - $249,000
Base Rate - 2
6.95%
$250,000+
Base Rate - 3
5.95%