Capital Builder Account

A Merrill Lynch brokerage account that allows investors to access the loan value of his or her eligible securities to buy or sell securities. Excess cash in a CBA can be invested in a money market fund or an insured money market deposit account without losing access to the money.

A brokerage account in which the client may use the loan value (or maximum amount a brokerage may lend for margin purchases) of securities in a margin account to finance the purchase and sale of different securities. Generally speaking, the extra funds from the loan value are placed in a money market account that the investor may use at will. Capital builder accounts are offered exclusively through Merrill Lynch.