Custom Credit Solutions

Pursue your goals with our credit solutions

Credit can be an important component of an integrated wealth planning strategy—helping generate liquidity without disrupting your investments or long-term goals.

Traditional credit structures are often unsuitable for high-net-worth clients due to the complexity of their finances. At Bank of the West, we draw on the vast global experience of our parent company BNP Paribas to offer out-of-the-box credit solutions designed exclusively for our affluent clients.

A Strategic, Holistic Approach to Wealth Management

Our Custom Credit Solutions are just one of the many ways we can help you achieve your vision and goals-whatever they may be.

credit solutions goals 

Key Benefits

Helping you pursue your goals with customized credit solutions tailored to your individual situation and objectives, including:

  • Loans and lines of credit secured by investments, deposit accounts or other collateral types
  • Financing for high-net-worth individuals and nonprofits
  • Wealth transfer financing to support your estate and gift planning strategies
  • Balance sheet optimization to uncover opportunities for strengthening liquidity and enhancing your wealth
  • Support of your short- and long-term wealth management objectives by optimizing income and cash flow
  • A variety of financing options with higher loan and line amounts1

Financing customized to your unique situation

Designing a custom credit solution starts with a 360° holistic view of your goals, current situation, wealth planning strategy, and time horizon. The plan that emerges from this discovery process becomes our guide for moving forward.


Innovative solutions that give you more leverage

Our team of specialists works closely with you to select the right credit solutions to activate your plan, which can include:

  • Investment lines of credit secured by a single collateral source
  • Term loans with fixed or floating rates secured by investments or other collateral types2
  • Loans and lines of credit secured by deposit accounts such as savings, money markets, and CDs
  • Bridge loan financing—secured and unsecured

Higher loan and line amounts with flexible terms1

We offer higher limits than traditional credit structures, as well as terms and repayment options to fit your long-term planning, including:

  • Revolving lines of credit
  • Term loans with a fixed or variable rate
  • Flex loans with a 12-month variable rate draw period, followed by a fixed- or variable-rate structure
  • Standby letters of credit

Get Started

Whether you want to expand into something new or invest in something known, we can help you make it happen—with our Custom Credit Solutions. Contact your Private Client Advisor to learn more.

1Custom credit loan and lines amounts are higher in comparison to standard retail loan products.

2Only certain types of accounts and securities offered through BancWest Investment Services and Bank of the West are eligible for the Investment Line of Credit Program. Please consult with your Private Client Advisor to confirm eligibility. Borrowing against an investment portfolio involves special risks and is not suitable for everyone. If the market value of your pledged securities declines below required levels, you may be required to pay down your loan or line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of your pledged securities. The sale of your pledged securities may cause you to suffer adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. There is also the risk that the collateral could be sold in the event of default.

You are leaving the Bank of the West website.

Please be aware: The website you are about to enter is not operated by Bank of the West. Bank of the West does not endorse the content of this website and makes no warranty as to the accuracy of content or functionality of this website. The privacy and security policies of the site may differ from those practiced by Bank of the West.


To proceed to this website, click OK, or hit Cancel to remain on the Bank of the West website.