MassMutual Launches New Secured Credit Line for Clients
Investors can now borrow against non-retirement holdings without selling assets to access cash.
Updated on Oct. 15, 2026 in Financial Planning
Live Poll
Is now a good time for you to borrow against your investment assets for personal liquidity?
MassMutual has introduced a new secured line of credit for wealth management clients that allows borrowing against non-retirement investment assets. The program, which is facilitated through Supernova Lending, is now available in most of the United States.
Why it matters
This product allows investors to access liquidity without needing to sell long-term holdings, which can help households avoid potential tax consequences or disrupted investment strategies. It provides a way to borrow against existing securities portfolios while interest charges are only applied to the actual balance used.
MassMutual, which reported $584 billion in assets under management as of 2025, is offering this credit line with no application, maintenance, or closing fees. The product is accessible to clients with MML Investors Services brokerage accounts, though availability excludes Mississippi, Nevada, North Dakota, and Puerto Rico.
The players
MassMutual
A mutual life insurance and financial services company that manages $584 billion in assets.
Supernova Lending
The financial services firm providing the lending, underwriting, and credit approval for the new credit program.
MML Investors Services
The brokerage subsidiary of MassMutual where client securities must be held to serve as collateral.
The details
Clients can obtain credit limits determined by the value and type of their pledged securities held in MML Investors Services accounts. The underwriting and credit approval are managed by Supernova Lending through a digital application process. Borrowers only pay interest on the portion of the credit line they choose to utilize, keeping their underlying investment strategies intact.
Timeline
October 15, 2026: MassMutual announced the new credit line product.
Money Landscape
This launch follows the broader industry trend of offering liquidity options for high-net-worth investors that avoid the forced sale of long-term assets. It positions secured credit lines alongside traditional margin accounts as a tool for managing short-term cash needs.
Investors who need cash for short-term expenses can now leverage their portfolio as collateral rather than liquidating assets. If you are considering this type of borrowing, discuss the potential risks, interest costs, and tax implications with a qualified financial advisor before applying.
The takeaway
Secured credit lines offer a potential alternative to selling assets for immediate cash needs, but they involve debt backed by your investments. Review your brokerage portfolio and discuss the risks of pledged-asset lending with a qualified financial or tax professional.
Further reading
Learn more about managing your assets effectively in our Financial Planning section.
More information
View the full details on the Supernova lending license information page.
Live Poll
Is now a good time for you to borrow against your investment assets for personal liquidity?
