Why was my M1 Margin Loan request denied?

To be eligible to use M1 Margin Loans, you must have a M1 Individual/Joint Brokerage Account or Trust Account with an invested account balance of $2,000 or more. M1 Tradition, Roth, and SEP IRAs, Custodial, and Trust Accounts* do not qualify. 

Your Margin Loan request may also be denied if:  

  • Your portfolio is not diversified. For example, your entire portfolio is invested in a single stock.  
  • You request to borrow above 40% of your invested portfolio value.  
  • You have already borrowed the maximum amount.  

M1 will not allow withdrawals that make your Margin Loan amount greater than 40% of your account value. M1 will require you to pay back some of your debt before your withdrawal request can be completed. 

*Trust Accounts are eligible for an M1 Margin Loan if you sign the Margin and Short Agreement when opening an M1 Finance Trust Account. 


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.

M1 disclosures here.

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