More than 243+ reviews

Ready Of investment

Invest now and pay back gradually over time.
Adapted to your income, goals and risk level
Life insurance image
Invest in what matters most!
White LayerWhite Layer

Partners we work with

100% online investment lending platform

Why do some investors use leverage to accelerate portfolio growth

For disciplined investors, the biggest hurdle is not knowledge, but time.

Even with significant income and regular investments, building a substantial portfolio can take decades. Investment borrowing allows qualified investors to put more capital to use sooner, optimizing the cumulative effect over the long term.

%...? /year
%...? /year
%...? /year
%...? /year
Borrowing to invest
designed for responsible, long-term investors
Arrow Icon
Slider image
%...? /year
%...? /year
%...? /year
%...? /year
Borrowing to invest
designed for responsible, long-term investors
Arrow Icon
Slider image
%...? /year
%...? /year
%...? /year
%...? /year
Borrowing to invest
designed for responsible, long-term investors
Arrow Icon
Slider image
It's not about looking for quick wins, but about speeding up a smart plan that's already working.
Get your free evaluation
Star image
Plain-img

Who are loans generally for of investment?

Investment loans are not for newbies or short-term investors.
They are generally considered by people who:
  • already invest regularly
  • have savings or assets set aside
  • earn a stable and sufficient income
  • can easily handle monthly interest payments
  • have a good tolerance for market fluctuations
  • Think in terms of the long term, not the short-term results.
This type of strategy is optimal when the investor is already financially stable and uses leverage as a tool, not as a solution to cash flow problems.
If these conditions are not met, Clic Prime will clearly let you know.

How investment loans can accelerate compounding interest capitalization

Compound interest works best when more capital is invested at the beginning.
An investment loan does just that: it allows you to increase your invested capital today, while continuing to invest your own money separately.
Over time, this can significantly increase the total amount exposed to market growth, even if the contributions remain the same.
That's why many long-term investors think of leverage as:
  • a way to speed up deadlines
  • a tool to increase exposure in a responsible way
  • an improvement to an existing strategy, not a replacement
When used carefully, leverage does not change the market.
It changes how much of your capital is invested in it.
Plain-img

Investment loan vs margin loan: two different tools

Both strategies use leverage, but they serve different purposes.

Investment loan

Tick picture
initial capital invested immediately
Tick picture
structured repayment
Tick picture
predictable cash flow requirement
Tick picture
suitable for long-term acceleration

Margin loan

Tick picture
flexible access to liquidity
Tick picture
Borrow only when needed
Tick picture
secured by existing investments
Tick picture
requires closer monitoring
Investment Loan Image
Some investors use one or the other. Others combine the two as part of a more comprehensive strategy. Which choice is best depends on structure, comfort and goals.
Help section image

What is a margin loan?

A margin loan works differently.
Instead of borrowing a lump sum up front, a margin loan is a line of credit secured by existing investments. You only borrow when you need the funds, and interest only applies to the amount you use.
In simple terms:
Tick picture
your current investments serve as collateral
Tick picture
you benefit from a flexible credit line
Tick picture
you can borrow and repay according to your needs
Tick picture
Borrowing capacity depends on the value of the portfolio
Margin loans are often used by investors who already have assets and want flexibility, liquidity, or temporary access to capital without having to sell their investments.

How Clic Prime helps you use leverage responsibly

transparent-img

Cash flow and stability analysis

Monthly obligations should be comfortable, not burdensome.
Personalised-img

Explain the pros and cons clearly.

Without detours. No pressure.
Fast-Img

Confirm suitability

First, we determine if leverage is relevant for you.
Modern-Img

Choose the right structure

Investment loan, margin loan, or a combination of both.
Trusted Img

You decide with confidence

This strategy only works if it fits your life.
Fast-LayerModern-LayerLet's lose lised-imgTrusted LayerClick-PrimeLine pictureLine pictureLine picture

Why are these two articles often analyzed together?

When we talk about borrowing to invest, we often talk about investment loans and margin loans.
Indeed, they pursue similar goals, but in very different ways.

An investment loan focuses on:

Tick picture
accelerating the deployment of capital
Tick picture
long term structure
Tick picture
foreseeable obligations

An investment loan focuses on:

Tick picture
flexibility
Tick picture
access to liquidity
Tick picture
short or medium term needs
Investment Loan Image
Investment Loan Image
When considering an investment strategy, it is common to assess the two options side by side. In some situations, one is clearly more appropriate. In others, a combination may be useful.
There is no one-size-fits-all answer.

The right choice depends on:

Tick picture
income stability
Tick picture
existing assets
Tick picture
risk tolerance
Tick picture
time horizon
Tick picture
comfortable with market fluctuations
That's why it's critical to fully understand both tools before deciding which, if any, should be included in your plan.

Important point of view

Investment Loan Image
Icon

Intentional strategy

Borrowing to invest is not a question of aggressiveness, but of an intentional and structured method.

Icon

Do it right

Without structure, it creates stress.
Done well, this approach can accelerate long-term results for the right investor profile.

Icon

The role of Clic Prime

Clic Prime does not sell leverage. We help you objectively determine if it really fits into your strategy.

Insurance advisors Clic Prime

Consult with licensed experts who will guide you through your options and help you choose the lifetime coverage that's right for you.

Advisors image
Advisors image
Advisors image
Advisors image
Advisors image
Advisors image
Advisors image
Back to Top Arrow

Accelerate what is already working

If you're already investing, your earnings are good, and you have a long-term vision, an investment loan can allow your portfolio to grow more quickly without increasing your monthly savings.
Clic Prime helps you assess this strategy with clarity, structure and transparency so that you can determine if leverage is an asset or a barrier to your financial planning.

What is your level of investment experience?

What is your main investment objective right now?

This helps us understand your goals. You can adjust this later with an advisor.

What is your current annual income?

What is the approximate amount of your current investment?

RRSPs, TFSAs, non-registered investments, etc.

Are you comfortable with market fluctuations?

Dos
following
Thank You!
We've received your information. Our advisor will review it and contact you soon with the best insurance options.
Oops! Something went wrong while submitting the form.
Close-icon