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Offer your customers a way to finance their purchase with a HELOC

Partner Program

Figure works with a variety of business types to help them provide their customers a fast and easy way to unlock cash with lower rates compared to personal loans and credit cards.4navigates to numbered disclaimer


Merchant Partnership

Contractors and other merchants can offer their customers an incredible HELOC product, with long terms and high loan amounts, without paying dealer fees.

How it works

  • Merchant markets Figure's product as financing option for the project
  • Figure disburses funds directly to the borrower
  • Borrower can work directly with the merchant to set payment schedule
  • In accordance with RESPA, no referral fee will be paid to Merchant.

Figure's Responsibilities

  • Figure handles everything



Customer AcquisitionNoYes
Underwriting / PricingYesNo
Sales to InvestorsYesNo
  • Provide customers with a lower-cost alternative to unsecured personal loans and credit cards

  • Improve the customer experience and drive more business by helping customers get fast access to cash

  • Retain customers who are looking to make additional purchases with your business, and gain visibility into their funding status

Figure's HELOC vs Personal Loan4navigates to numbered disclaimer

Homeowners have the ability to draw more cash at a potentially lower fixed rate using their home equity. The HELOC offers speed, ease, and simplicity, with up to 30-year terms, providing lower monthly payments on a longer duration loan.


Personal Loan

Application100% online, 
see your rate instantlyVaries by lender
Fixed rate3navigates to numbered disclaimerYesYes
Interest ratesLikely lowerLikely higher
TermsUp to 30 yearsUp to 7 years
Overall monthly paymentMay be lowerMay be higher
AmountUp to $400k1navigates to numbered disclaimerUp to $100k
Prepayment penaltyNonePossible
Tax deductibleFor home improvementNot tax deductible

Benefits for your customers

Start offering HELOCs to your customer base within weeks

We offer other partnership opportunities beyond Private Label for both licensed and non-licensed entities. Submit the form below to chat today!