Introducing corporate margin
Get more from your corporate capital with the flexibility of margin
Why corporate margin?
Wealthsimple corporate accounts have seen big growth in 2025 as more and more business owners use our straightforward, low-cost investment and capital management tools. One request we’ve heard consistently: more flexibility in how corporate capital can be deployed through credit facilities.
With corporate margin, eligible businesses can now borrow against the value of their self-directed investment portfolios at very competitive rates. That means you can put your corporate capital to work while still having access to liquidity when you need it — and all without selling your investments.
How corporate margin works
Corporate margin works exactly like our margin account for retail investors, except that they're tied to corporate accounts instead of personal ones.
Benefits of corporate margin for your business:
- Borrow against investments: Approved corporations can access a line of credit based on your current portfolio value with us. The actual credit limit is determined by an automated algorithm and depending on your investment value.
- Maintain liquidity: Cover short-term expenses or take advantage of market opportunities without selling assets.
- Stay invested: Keep your long-term strategy on track while managing near-term cash flow.
- Competitive rates: Transparent and low borrowing costs, with no hidden fees.
- Easy monitoring: Our margin health status tracker lets you know exactly where you stand, and can even alert you if you ever get close to a margin call.Today, we offer borrowing rates as low as Prime -0.5% depending on how much you have saved and invested with Wealthsimple. For more details on rates, see here. You can easily track how much margin you’re using and how much interest you’ve accrued in a dashboard in our app.
Note: At the moment, we don’t offer cross-guarantees between personal and corporate assets, but it’s something we’re investigating. This would allow you to use margin on corporate investments for personal use and vice versa.
What are the risks of margin trading?
Here’s the setup: When you trade on margin, you’re borrowing cash from Wealthsimple against the value of your self-directed investments, which act as the underlying collateral.
As we know, markets move up and down. If the value of your investments drops enough and your equity falls below a required minimum, this may trigger a margin call. When Wealthsimple issues a margin call, you have a few options:
- Deposit more cash into the account
- Transfer more securities to the account
If you don’t act quickly, we retain the right to sell your investments to protect our loan. Read more about margin calls here.
Eligibility & setup
Corporate margin is available to eligible incorporated businesses with a corporate self-directed investing account. Setting it up is quick and easy:
- Open or transfer a corporate self-directed investing account to Wealthsimple
- Complete the margin application — a quick check of eligibility, ownership structure, and risk profile
- Once approved, you’ll be able to start borrowing immediately
Go to our corporate account page to open a self-directed investing account or apply for margin.
Why this matters for corporate clients
- Flexibility: Business owners can unlock liquidity without disrupting their investment strategies
- Speed: Apply online and get approved without branch visits or clunky paperwork
- Transparency: Our rates are clear (and very competitive) with no surprises
In conclusion
Corporate margin is another tool we’ve added to make Wealthsimple the best home for corporate investing in Canada. By giving business owners the ability to borrow (responsibly!) against their portfolios, we’re helping entrepreneurs put their capital to work while staying fully invested — and giving them an affordable, flexible way to help keep their business growing.
Legal
Wealthsimple’s margin account interest rate is P-0.5% for Generation clients, P+0% for Premium clients, and P+0.5% for Core clients. Prime rate is 4.95% for CAD and 7.50% for USD as of DATE. Subject to change. Annualized rate, calculated daily, charged monthly. All investments involve risks. See here for details.
