Which accounts are eligible for margin loans?

Margin is typically available on the following account types: 

  • Individual/Joint taxable brokerage accounts 
  • LLC 
  • Partnership 
  • Trust 

*Trust accounts are eligible for Borrow if you sign the Margin and Short Agreement when opening up an M1 Finance Trust account. 

Retirement accounts and custodial accounts are not eligible for margin loans. 

The above account types may not be supported on M1. Learn when you will be eligible for margin at M1.


All investing involves risk, including the risk of losing the money you invest. Borrowing on margin can add to these risks, and you should learn more before borrowing. M1 Borrow available on margin accounts with at least $2,000 invested. Not available for all account types including retirement, custodial and some trust accounts.  Margin rates subject to change. 

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