How long does it take to get access to borrowed funds?

Here are the typical timelines for receiving your funds in different destinations: 

  • M1 Invest account – instant within minutes 
  • M1 Spend account - instant within minutes 
  • External bank – 1 to 2 business days 

If you have further questions about your Borrow transfer timing, 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 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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