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As the oldest U.S. private bank, we have extensive experience in credit and lending–and in the strategies that make them effective components of your wealth plan. Your Private Banker will look at both your assets and liabilities when managing your wealth, helping ensure a comprehensive, long-term plan. As a result, your financing solutions will be tailored to generate liquidity without disrupting your wealth management strategy or your long-term goals.

Our customized credit options–available in U.S. dollars and select foreign currencies–enable you to address virtually any borrowing need–major purchases, emergency expenses, business investments, and cash flow fluctuations.

Ready to develop your wealth management strategy? Let’s chat.

Aircraft Financing

Art Financing

Commercial Real Estate Financing

Jumbo Mortgages

Life Insurance Premium Financing

Unsecured Lending

Investment Credit Line

Interest Rate Derivatives

Standby Letters of Credit

  • Aircraft Financing

    Access financing for the acquisition or refinance of personal-use aircraft.

  • Art Financing

    Use your personal art collection to secure financing for a variety of liquidity needs, including additional art purchases, business obligations or funding investments.

  • Commercial Real Estate Financing

    Access financing for the acquisition or refinancing of office, retail, multi-family, warehouse/industrial, and mixed-use properties.

  • Jumbo Mortgages

    Access adjustable and fixed-rate financing for primary and vacation homes. This includes 100% financing with pledged collateral, an interest-only option, a pre-approval program, construction financing, and hybrid mortgage solutions.

  • Life Insurance Premium Financing

    Gain access to financing for annual life insurance premiums and loan interest. This is for clients who typically have at least $25 million of net worth, $10 million of liquid assets, and an annual premium of at least $1 million.

  • Unsecured Lending

    Qualified individuals can get customized financing for their non-purpose borrowing needs.

  • Investment Credit Line

    Utilize a secured line of credit that provides liquidity for personal or business needs, such as major purchases, unexpected expenses, tax obligations, or investment opportunities.

  • Interest Rate Derivatives

    As a qualified wealth management client, you can use interest rate derivative solutions which offer liquidity combined with the ability to manage risk and diversify investment portfolios.

  • Standby Letters of Credit

    Secured by eligible BNY Mellon investment assets, Standby Letters of Credit provide financial protection to third parties by effectively guaranteeing payment.


Non-conforming residential Mortgages are exclusively available to BNY Mellon Wealth Management clients and qualified Pershing clients. Mortgage services, provided by BNY Mellon, N.A., are subject to credit approval.


As a result of the Secure and Fair Enforcement Act (S.A.F.E. Act). BNY Mellon Wealth Management's mortgage bankers are registered with the Nationwide Mortgage Licensing System and Registry (Registry). The unique identifier provided by the Registry for each mortgage banker is included in our S.A.F.E. ACT DISCLOSURE

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