Maintenance requirements for positions on M1

If you’re borrowing money through an M1 Margin Loan, you need to be aware of your maintenance requirement.

Maintenance margin is the minimum amount of equity that must be maintained to hold positions on margin.  

FINRA requires a 25% minimum on all positions, but M1 may require a higher maintenance requirement on specific stocks.   

Higher maintenance requirements are the result of a position’s potential volatility. Owning positions with high maintenance requirements can reduce the amount of credit you can borrow.  

You can find the maintenance requirement for a stock in the Holdings tab or your portfolio slice, in the stock details section. 


M1 Finance account screen showing position details (shares, avg. share price, margin eligible, maintenance requirement, and cost)

If you have further questions, please contact us.


All investing involves risk, including the risk of losing the money you invest. Borrowing on margin can add to these risks, and you should review the M1 Margin Loan account risk disclosures before borrowing. M1 Margin Loan available on margin accounts with at least $2,000 invested. Not available for all account types including M1 Traditional IRA, M1 Roth IRA, M1 SEP IRA, M1 Custodial, and some M1 Trust Accounts. Margin Loan rates subject to change.

All examples above are for informational purposes and should not be considered an offer to buy or sell certain securities. M1 does not provide investment advice. 


M1 disclosures here.

Was this article helpful?
0 out of 0 found this helpful

Still need help?

We're here for you.

Contact us