📢 To our fellow startups looking for a new home for your cash reserves...
Safeguard your cash with money market funds, which are low risk, high liquidity investments in mostly government treasuries. You take 100% of the yield.

Supercharge your wealth with confidence

Frec makes some of the smartest financial strategies more accessible to you. Earn interest on your cash or borrow against your stocks.

We power

money market fund deposits

Invest for any outlook

Money market funds

Short term liquidity

Safeguard your cash in low risk, high liquidity money market funds. Access your money at a moment’s notice and take home 100% of the yield.

Portfolio line of credit

Long term growth

Hold onto your investments for the long term by spending through a portfolio line of credit. Trade stocks, ETFs, and more as you usually do, commission-free.

Account support

We support individual, business, and trust accounts.

A new player you can trust

Your assets are yours

Your assets are held in your name – meaning that if anything goes south, they’ll find a way back to you. We secure your assets with Apex Clearing, one of the largest clearing firms that helps power Robinhood, Betterment, Wealthfront, Ally, SoFi, and more. In the rare case that something happens to Frec, any assets held at Apex will still be accessible and can easily be transferred to another brokerage of your choosing.

Your assets are insured

We’re a member of SIPC, which protects your securities up to $500K, including $250K for cash claims. On top of this, Apex offers excess insurance protection with an aggregate of $150M distributable to customers. Note that this does not cover ordinary loss from market fluctuation.

Money market funds

Safeguard your cash while letting it work for you

Store your cash reserves or emergency fund in money market funds, which are cash-like investments in mostly government treasuries.

Your money is fully liquid and always accessible

We don’t keep a dime of your yields – you keep 100% of it

Choose from a variety of money market funds from Vanguard, Fidelity, JP Morgan, & more

Money market funds are mutual funds that invest in highly liquid, short term securities with minimal credit risk and low volatility. Many investors use money market funds to store cash or as a short term investment.
Portfolio line of credit

Don’t sell your hard-earned stocks

Get access to cash you need today without having to sell your stocks. Borrowing against a portfolio line of credit instead of selling your stocks can help you delay capital gains taxes and lets you take advantage of potential future growth, which could increase your net worth in the long run.

A portfolio line of credit is backed by securities (stocks, ETFs, etc) and is based on the composition and value of your securities. Unlike other loans you may be familiar with, loans against your portfolio line of credit accrue interest every month but you’re not required to pay the principal until you’re ready.

Sell or borrow?

Considering selling your stocks for a purchase? Use our tool to see if borrowing from Frec’s portfolio line of credit is an option for you.

Compare selling vs borrowing

Sell or borrow?

After 30 years, you could be $2M wealthier by borrowing from a line of credit on Frec instead of selling your stocks.

No monthly payments

Pay back your loan at your own pace. Interest will accrue on your loan but you don’t pay a monthly principal.

Forecast your risk

Our forecaster can help you keep your account in good standing and minimize your risk of margin calls.

Instant loans

Get access to your loan instantly without jumping through hoops. No need for underwriting or credit checks.

Trusted and loved by...

May not be representative of the experience of other customers. There is no guarantee of future performance or success.

Ready to get started with Frec?

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By using frec.com, you accept our Terms of Use and Privacy Policy. Frec refers to Frec Markets, Inc., and its wholly owned subsidiary, Frec Securities LLC.

Frec does not provide investment, tax, or legal advice. Frec’s website and brokerage services are not intended for persons of any jurisdiction where Frec is not authorized to do business. Investing involves risk, including the risk of loss. Borrowing on margin can add to those risks – please read Frec’s Margin Disclosure before borrowing. Margin accounts require a $2,000 minimum. Any stocks shown are for informational purposes and should not be considered a trade recommendation.

Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher. You could lose money by investing in this fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the FDIC or any other government agency. The fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will at any time. Learn more about the money market funds we offer on Frec

Market data by Xignite. Money market fund data powered by QuoteMedia. All rights reserved. View the terms of use. Data delayed 15 minutes unless indicated. Brokerage services offered by Frec Securities LLC, member FINRA / SIPC.