---
title: Margin accounts and portfolio line of credit
description: Learn about Frec's Reg T margin account requirement and how you can borrow against your brokerage account using a portfolio line of credit.
---
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1. [Frec Help Center](https://help.frec.com/en-us?hsLang=en-us)
2. [Borrowing & margin loans](https://help.frec.com/en-us/borrowing-margin-loans?hsLang=en-us)
3. [Margin & Borrowing Basics](https://help.frec.com/en-us/borrowing-margin-loans?hsLang=en-us#margin-borrowing-basics)
September 15, 2026
# Margin accounts and portfolio line of credit
### Margin accounts
All customers are required to open a[Reg T](https://help.frec.com/hc/en-us/articles/16259787649044-Regulation-T-Reg-T?hsLang=en-us) margin account with Frec. Each customer is limited to one margin account per account type; for example, an individual account counts as one account type.
Margin accounts allow margin borrowing, which carries additional risks. We encourage you to read[Frec's margin disclosure](http://frec.com/disclosures) before borrowing.
### Portfolio line of credit
A portfolio line of credit (margin loan) gives you access to additional cash based on the value of certain securities in your brokerage account. It's an interest-bearing loan that can be used to invest in additional securities, or withdrawn from the Frec platform for other non-investment needs.
To access a portfolio line of credit on Frec, you must have a minimum account value of $2,000.
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