Lending, minus the bank

Haven enables fixed rate borrowing directly from the clearinghouse - with after-tax rates as low as 3.18%*

Full tax deductability on interest

Traditional margin interest is subject to strict deduction limitations. Interest from loans on Haven is deductible via IRS Section 1256 capital loss treatment.

Lock in fixed or variable rate loans

Users have full control over their loan and can set their duration and amount.

State of the art custody

Institutional custody and clearing is provided by Interactive Brokers ($900B+ AUC).

Globally competitive borrow rates

Haven lets you borrow against your portfolio at rock-bottom fixed rates
Borrowing directly from the market, cutting middlemen
No use restrictions or credit checks
Full interest tax deductability via IRS Section 1256

Simulate Financing

2005 2010 2015 2020 2025 Legacy Avg: 7.50% APR† (Fidelity, E*TRADE, etc) Haven: 4.18% APR* (Box spread)
A graph showing the percentile difference of Haven vs Legacy

Haven uses synthetic financing via box spreads, long utilized by institutional investors

Founding member invites now live

Join Haven's first batch of 500 founding members and enjoy zero spreads, zero membership fees, as well as other perks.

Simulate Financing
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Contact

contact@haven.finance
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  1. *Current rates are illustrative. The implied borrowing rates are based on Cboe SPX box spread market execution data as of September 18, 2026, and excludes advisory fees. Implied yields are dynamic, non-guaranteed, and fluctuate based on prevailing market interest rates and options liquidity. After-tax rates includes a base rate of 4.57% plus tax benefits based on IRS Section 1256 deductions assuming the top federal tax rate, and zero state tax benefits. Both yield and tax benefits can change depending on the current market and policy decisions.

  2. "Haven" and the Haven Arch logo are pending trademarks of Haven Systems LLC. Haven is a technology company, not a bank nor a registered broker-dealer. Brokerage services and portfolio-backed financing are provided via Interactive Brokers LLC. By signing up to joining our waitlist, you agree to our Privacy Policy and Terms of Service. Investment involves risk, including the possible loss of principal.

© 2026 Haven Systems LLC. All rights reserved.