MassMutual Launches New Secured Credit Line Product
The firm now offers liquidity options backed by brokerage assets through a partnership with Supernova Lending.
Updated on Oct. 15, 2026 in Financial Planning
Live Poll
Is now a good time for you to borrow against your investment assets for personal liquidity?
MassMutual has introduced a new secured credit line product that allows wealth management clients to borrow against their non-retirement investment assets. Supernova Lending acts as the lender, managing the credit approval and underwriting process for the program.
Why it matters
This product aims to provide clients with needed liquidity without forcing them to liquidate their long-term investment strategies. By pledging securities held in MML Investors Services brokerage accounts, clients can access funds while remaining invested in the market.
The new credit line features no application, maintenance, or closing fees, with interest charges applying only to outstanding balances. As of 2025, MassMutual maintains $1 trillion in life insurance in force and has paid $70 billion in benefits since 2016.
The players
MassMutual
Headquartered in Springfield, Massachusetts, this mutual life insurance company provides a wide array of financial services and investment products.
Supernova Lending
This firm specializes in providing technology-driven lending solutions and acts as the official lender for this credit line program.
The details
Clients can apply for these loans through a digital funding process, with credit limits determined by the specific type and value of the pledged securities. The service is currently available nationwide, with the notable exception of Mississippi, Nevada, North Dakota, and Puerto Rico.
Timeline
October 15, 2026: MassMutual announced the new credit line product.
Market Dynamics
This move mirrors the broader shift toward securities-based lending, where financial institutions leverage existing client assets to compete with traditional bank products. It reflects a growing industry trend of integrating lending services directly into wealth management platforms to capture more of a client's financial lifecycle.
Retail investors may use this service to access cash without triggering capital gains taxes associated with selling investments. Users should carefully review their eligibility and the terms, as the credit line is unavailable in certain jurisdictions.
The takeaway
Securities-backed lending offers a way to maintain market exposure while securing access to liquid capital. Before applying, investors should calculate if their portfolio value justifies the potential risk of using held assets as collateral.
Further reading
For more on managing your assets and credit options, visit the Financial Planning section.
More information
Review the Supernova lending license information to verify service availability in your area.
Live Poll
Is now a good time for you to borrow against your investment assets for personal liquidity?
