Margin Loans: How They Work & How I Use Them

by Corey Philip //  February 3, 2022

Margin loans kind of get a bad wrap...

But I disagree.  Margin loans can be a great financial tool.  In this video I explain how I use them and how they can help minimize your tax burden!


  • Margin loans provide access to capital at very low interest rates
  • The lowest rates are at Interactive Brokers.  M1 Finance Pro also has great rates and is a much more user friendly platform.
  • Using a margin loan to access capital is cheaper than realizing gains and paying taxes.
  • Generally keeping your money in the market is positive returning.
  • Personally I would never withdraw more than 25% of my balance on margin.  I explain the requirements and my risk calculations in the video.
  • I primarily use margin loans for financing accounts receivable from my business.  This is lower cost than a/r factor or selling and paying taxes!

About the author

Corey Philip

Corey Philip is a small business owner / investor with a focus on home service businesses.

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