Malvern Bank Private Client


Private Banking Products

Relationships matter

Malvern specializes in tailored investment solutions for high net worth individuals like you. We’re focused on freeing you up from day-to-day management concerns so you can achieve your broader goals.

With our insight and expertise, we can help you structure and repurpose your current assets for maximum benefit. We take the time to get to know you and your unique needs and can make sure you’re making the most of your strengths.

Our growing client list includes private investors, trusts, charitable organizations, corporations, entrepreneurs, and hospitals.

 


Deposit Solutions *

As a Malvern client, you’re entitled to a variety of deposit solutions designed to help you manage your cash flows and increase your interest earnings. Whether you’re buying a second home, financing a college education or planning for early retirement, we’ll help you look closely at your financial goals and develop a solid savings plan.

Our deposit services are appropriate for a variety of client types, including private individuals, trusts, companies and charities. All Malvern accounts feature secure and convenient online access and electronic deposits/payments.

Options include:

* Deposit products FDIC insured

 


Investment Management **

We offer an impressive suite of financial products designed to address all of your investment objectives, including:

Investments are managed by Bell Rock Capital, LLC, an SEC-registered investment advisor based in Delaware, with satellite offices in Pennsylvania, New York and South Florida. Bell Rock Capital uses proprietary research as well as technology-driven investment tools to manage client accounts, and conducts fundamental and technical analyses on companies before investing in them.

Bell Rock Capital’s mission is to deliver returns consistent with client goals. Assets are managed on a separately managed account basis—which means a hands-on portfolio for each client, every day.

** Not a Deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may lose value.

 


Credit Solutions

Capital Contribution Loans

Malvern offers capital contribution loans for partners and shareholders seeking to increase their equity interest in a business. Benefits of capital contribution financing include interest-only periods, the ability to borrow on an unsecured basis, and the tax deductibility of loan interest. Capital contribution loans can be considered an indirect cost of your primary business function and may be deductible for income tax purposes.*

* Malvern does not provide tax advice. Please consult your tax advisor.

Securities-Based Lending (SBL)*

At Malvern, we offer Securities-Based Lending (SBL), which is the practice of making loans using marketable securities as collateral. You can use stocks or other marketable securities to obtain loans for anything you want to accomplish for personal or business purposes. SBL allows you to retain the future ownership of the assets as well as leverage the present value of your securities for immediate cash needs.

Click below to learn more about Securities-Based Lending

Securities-Based Lending

*Credit qualification and collateral are subject to approval. Minimum loan amount of $50,000.00. Additional terms and conditions may apply. Products, rates, qualifications, and terms and conditions are subject to change in Malvern Bank's sole discretion and without notice. Securities-based lending is a non-purpose margin loan secured by eligible, marketable securities. It is non-purpose because the proceeds of the line of credit cannot be used to purchase securities. Securities-based lending has special risks, is not suitable for all investors, and may not be appropriate for your needs. The risk of securities-based lending include: (i) market fluctuations that may cause the value of pledged assets to decline, (ii) a decline in the value of the pledged securities that could result in selling the securities to maintain equity, and (iii) possible adverse tax consequences as a result of selling securities. Malvern Bank, National Association, their employees and affiliates do not provide legal or tax advice. You should contact your personal tax and/or legal advisors regarding your particular situation, including the legal and tax implications of borrowing using securities as collateral for a loan or line of credit.

Stock Option Loans

For accounts held in custody by Malvern (either directly or via our broker dealer) we can extend sufficient credit to initiate an exercise of options. By borrowing enough cash to exercise your stock options, you can immediately sell enough of the resulting stock to cover the amount borrowed, along with any accrued interest or fees. You can then use the remainder of the equity to build your investment portfolio.

If you decide to exercise your options and postpone selling until the shares are received, we can loan you up to 50% of the stock’s current market value to pay for the exercise cost. Once shares are received in your account and sold, we credit you with the available funds on settlement date, less any fees and accrued debit interest on the amount loaned.

Real Estate Lending

Malvern provides cross-collateral mortgages that can be used as pledged securities in connection with a down payment to permit financing. Pledging assets, such as securities, may be used as collateral for the purpose of securing debt. These securities would not have to be sold for the down payment, allowing for continued capital appreciation while maintaining the mortgage benefit.

Commercial Loans

We also specialize in a variety of commercial loans to meet your business needs. They can range from a mortgage for a building such as a warehouse, industrial property, multifamily apartment, office building, shopping center, or medical office to a term loan for equipment or a line of credit to manage your cash flow. Our loan officers have, on average, 20 years of commercial lending experience and can make recommendations on all aspects of the loan terms.

Acquisition Financing

Providing a transaction has financial merit, Malvern can offer a variety of structures for acquisition financing. Bridge financing, construction, and land acquisition loans are also available.

Credit Card

Expand your purchasing power with the Malvern Visa® Platinum credit card, plus earn rewards for every qualifying net dollar you spend. For protection while traveling, your Malvern Visa® Platinum card automatically provides Travel Accident Insurance and Auto Rental Collision Damage Waiver.*

* Subject to credit approval. See application disclosures for current terms, rates and fees.

 


Self-Directed IRA **

A self-directed IRA offers you a practically unlimited range of investment options, including:

With Malvern as your account administrator, you have greater flexibility with how you manage risk and the potential for a higher rate of return.

NOTE: Self-directed IRAs are complex legal structures that, if managed incorrectly, can lead to consequences and penalties from the Internal Revenue Service. Please consult your tax advisor for prohibited asset types.

** Not a Deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may lose value.

 


Trust and Estate Services

Malvern, through our trusted partners, can offer forward-thinking advice and insight as you plan for the wealth-transfer process. Malvern partners with local corporate fiduciaries who can act as your unbiased trustee/executor. These services are bundled in a cost-effective “turn-key” package and include:

NOTE: There are several estate-planning strategies to consider based on your estate’s value, types of assets, guardianship concerns, and whether the estate will pass through probate court or be protected by a trust. Malvern Bank does not offer legal or tax advice. Please consult your tax advisor.

 


The bank that does more.

Our Private Client Division comprises our Private Client Bankers and our partner firm, Bell Rock Capital, LLC.

Chartered in 1887, Malvern (NASDAQ:MLVF) serves as one of the oldest banks headquartered on the Philadelphia Mainline. We focus our lending activities on small- to medium-sized businesses, real estate developers, educational institutions, and high net worth individuals.

Our Private Banking Division comprises our Private Banking group and our partner firm, Bell Rock Capital, LLC. Together, they provide tailored deposit and credit solutions as well as financial services including: brokerage products, insurance and annuities, mutual funds, financial planning, estate and tax planning, trust, elder care and benefit plan administration.

 


Notices

Products offered are not FDIC insured, are not bank deposits, bank obligations or guaranteed by the bank and are subject to investment risk, including potential loss of principal.