Ever needed cash and just sold some stock to get it? So has almost everyone, usually because nobody offered the other option. CheckSwing doesn't start from fear of debt, it starts from the numbers, and shows what's actually best for your client, not what feels safest.
It runs the real comparison, sell, or borrow against it with a Securities Backed Line of Credit (SBLOC), a fundamentally different tool than margin. Money that's sold stops compounding, and it never comes back, so CheckSwing answers it properly, stress-tested, tax-aware, ready to hand across the table.
Want to try it with your own numbers?
Open the full working demo →A client with an appreciated portfolio needs real money: a house, a business, a family moment. Selling triggers capital-gains tax and, worse, pulls money out of the market that never compounds again. Borrowing against the portfolio avoids both, but adds interest and a risk most projections politely ignore: the maintenance call.
Today, most advisors answer with a homemade spreadsheet or professional instinct. CheckSwing replaces that with a rigorous, defensible analysis: which strategy wins, by how much, under what assumptions, and exactly how far the market can fall before the plan breaks. The name is the philosophy: only commit to what clears the zone.
Borrow versus sell, compared after tax over your client's horizon, capitalized or pay-annually, with the break-even return where the answer flips stated plainly.
Maintenance-call analysis under real drawdowns, and the single number clients remember: how far the market can fall before the bank calls.
A clean one-page report with documented assumptions and hypothetical-illustration disclosures, written for the kitchen table and the compliance file alike.
One page, documented assumptions, ready for the client meeting and the compliance file.
Every SBLOC calculator on the internet answers "how much can I borrow?" CheckSwing answers the question that's actually worth money: borrow, or sell: compared after tax, over your client's real horizon, with compounding treated honestly on both sides.
Any tool can draw a line that goes up. CheckSwing leads with what happens when it doesn't: drawdown stress tests, maintenance-call thresholds, and the cushion number: how far the market can fall before the plan breaks.
Every analysis states its break-even: the expected return below which selling wins. A tool that shows you the conditions under which it's wrong is a tool your compliance officer can live with.
The output isn't numbers on a screen. It's a one-page, disclosure-ready client report an advisor can hand across the table and file with compliance. That's the difference between a widget and a work tool.
A live database of what every major lender charges for securities-backed lines: current rates, real terms, and how they've moved over time, so you'll know whether your client's rate is fair before they sign.
Odds, not one projection: the client's plan played out across thousands of market paths, giving you the probability of a maintenance call and the full range of outcomes, not a single hopeful line.
The client's exact structure run through every real market on record: "this plan would have sailed through most of history, and hit trouble in 1974, 2002, and 2009." Concrete beats hypothetical.
"Your portfolio can fall 41 percent before a maintenance call. Here's the math."
The sentence an advisor says across the table, and the analysis that lets them say it with confidence. Every figure traceable, every assumption on the page.
Most advisors default to selling. Not because the math says so. Because debt feels riskier to suggest than it actually is.
One email. Tell us your firm and how the borrow-vs-sell question shows up in your practice.
Email info@checkswinganalytics.com