Loan Services

Every loan, explained.

Explore our full range of loan products with complete eligibility criteria, term ranges, and transparent fee structures — all in one place.

Life, Accelerated

Personal Loans

Flexible unsecured loans for major life expenses — home improvements, medical costs, major purchases, or debt consolidation.

APR Range

4.9% – 14.9%

Terms

12 – 60 months

Max Amount

$100,000

Funding

24 – 48 hours

Eligibility Requirements

Minimum credit score: 640
Stable income verified (W-2 or 1099)
Debt-to-income ratio below 45%
U.S. resident, age 18+
Valid government-issued ID

Key Features

No collateral required
No prepayment penalties
Fixed monthly payments
Same-day pre-qualification

Scale Without Limits

Business Growth Loans

Capital for established businesses seeking to expand operations, purchase equipment, hire talent, or manage seasonal cash flow.

APR Range

5.5% – 12.5%

Terms

6 – 84 months

Max Amount

$500,000

Funding

3 – 5 business days

Eligibility Requirements

Minimum 2 years in business
Annual revenue of $100,000+
Business credit score: 680+
Personal guarantee from majority owner
Valid business registration

Key Features

Secured or unsecured options
Flexible repayment schedules
No prepayment penalties
Dedicated business advisor

Seamless Transitions

Bridge Finance

Short-term capital to bridge the gap between immediate needs and longer-term financing — for real estate transactions, acquisitions, or time-sensitive opportunities.

APR Range

6.2% – 16.9%

Terms

3 – 24 months

Max Amount

$250,000

Funding

48 – 72 hours

Eligibility Requirements

Minimum credit score: 660
Verifiable exit strategy
Collateral or asset verification
Debt-to-income ratio below 50%
U.S. resident, age 21+

Key Features

Interest-only payment options
Fast-track approval process
No prepayment penalties
Roll into long-term financing

Simplify, Save

Debt Consolidation

Combine multiple high-interest debts into a single, manageable payment with a lower overall interest rate — reducing monthly burden and total cost.

APR Range

5.9% – 15.9%

Terms

24 – 72 months

Max Amount

$75,000

Funding

24 – 48 hours

Eligibility Requirements

Minimum credit score: 620
Existing unsecured debt of $10,000+
Stable income verification
Debt-to-income ratio below 50%
U.S. resident, age 18+

Key Features

Direct payoff to creditors
Single monthly payment
No prepayment penalties
Potential credit score improvement

Build Your Vision

Home Improvement Loans

Financing specifically for renovation, remodeling, and repair projects — from kitchen upgrades to full-scale home transformations.

APR Range

5.5% – 13.9%

Terms

12 – 84 months

Max Amount

$150,000

Funding

3 – 5 business days

Eligibility Requirements

Homeowner with verified equity
Minimum credit score: 640
Project estimate from licensed contractor
Debt-to-income ratio below 45%
Property must be primary residence

Key Features

No home equity required
Funds disbursed in milestones
No prepayment penalties
Contractor verification included

Home, Realized

Mortgage Loans

Finance the purchase of your primary residence or refinance an existing mortgage to secure a lower rate, reduce monthly payments, or access your home equity.

APR Range

5.25% – 8.5%

Terms

15 – 30 years

Max Amount

$2,500,000

Funding

21 – 45 days

Eligibility Requirements

Minimum credit score: 680
Down payment of 5% or more
Debt-to-income ratio below 43%
Property appraisal required
U.S. resident, age 18+

Key Features

Purchase & refinance options
Cash-out refinance available
Fixed or adjustable rates
No prepayment penalties

Business Property, Powered

Commercial Loans

Finance the acquisition, construction, or refinance of commercial real estate — office buildings, retail spaces, warehouses, and mixed-use properties for your business.

APR Range

6.5% – 11.5%

Terms

5 – 25 years

Max Amount

$10,000,000

Funding

30 – 60 days

Eligibility Requirements

Minimum credit score: 680
Property cash flow verification
Down payment of 20% or more
2+ years of business tax returns
Commercial property appraisal

Key Features

Acquisition & refinance options
Owner-occupied or investor financing
Construction-to-permanent loans
Flexible amortization schedules

Build Your Portfolio

Investment Property Loans

Finance the purchase or refinance of residential or commercial investment properties — rental homes, multi-family units, and income-producing real estate assets.

APR Range

6.75% – 12.5%

Terms

15 – 30 years

Max Amount

$5,000,000

Funding

30 – 45 days

Eligibility Requirements

Minimum credit score: 700
Down payment of 15% or more
Rental income verification
Debt-service-coverage ratio above 1.25
Property appraisal and inspection

Key Features

Purchase & refinance options
Cash-out refinance for new acquisitions
Portfolio financing available
No prepayment penalties

Flip With Confidence

Fix and Flip Loans

Short-term financing for investors purchasing, renovating, and reselling properties — covering both acquisition and rehab costs to maximize your return.

APR Range

8.5% – 12.9%

Terms

6 – 24 months

Max Amount

$3,000,000

Funding

5 – 10 days

Eligibility Requirements

Minimum credit score: 640
Real estate investing experience preferred
Down payment or equity of 10–20%
Detailed rehab budget and scope of work
Property must be non-owner-occupied

Key Features

Up to 90% of purchase price
Up to 100% of rehab costs
Interest-only during the term
No prepayment penalties

Income Over Paperwork

DSCR / AirBNB Loans

Qualify based on the property's rental income — not your personal income. Ideal for long-term rentals and short-term AirBNB investments with no W-2 or tax-return requirements.

APR Range

6.9% – 11.5%

Terms

30 years

Max Amount

$5,000,000

Funding

21 – 30 days

Eligibility Requirements

Minimum credit score: 660
Debt-service-coverage ratio of 1.0+
Down payment of 20% or more
Short-term rental income (AirBNB) accepted
No personal income verification required

Key Features

Qualify on property cash flow
Long-term & short-term rentals
Purchase, refinance & cash-out
Vesting in an LLC allowed

Build From The Ground Up

Construction Loans

Financing for ground-up construction and major renovation projects — with funds released in milestones as your build progresses, for residential and commercial developments.

APR Range

7.5% – 12.0%

Terms

12 – 36 months

Max Amount

$10,000,000

Funding

30 – 60 days