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Individual Financing

Personal
Loans

Access capital as an individual — for debt consolidation, major life events, home improvement, or personal bridge funding.

Working Capital Term Loans SBA Loans Equipment Financing Lines of Credit Revenue-Based Personal Loans Startup Loans 200+ Lenders All 50 States Working Capital Term Loans SBA Loans Equipment Financing Lines of Credit Revenue-Based Personal Loans Startup Loans 200+ Lenders All 50 States
Overview

Personal Loans

Personal loans through Finance Foundry give individuals access to capital outside of traditional business structures. Whether you're consolidating high-interest debt, funding a renovation, covering a medical expense, financing a major purchase, or bridging personal cash flow while your business grows — we access a wide network of personal lenders to find the best available terms for your profile.

Funding Amount
$10K – $500K
Term Length
12–84 Months
Decision Speed
1–5 Business Days
Min. Credit
580+ FICO

Common Use Cases

Debt ConsolidationCombine multiple high-rate debts into one
Home ImprovementFinance renovations without home equity
Medical ExpensesCover out-of-pocket costs and procedures
Major Life EventsWeddings, adoptions, family needs
Emergency BridgeCover urgent personal expenses
Vehicle or Asset PurchaseFinance a personal vehicle or asset

Requirements

  • U.S. resident with valid ID
  • 580+ FICO credit score
  • Verifiable income (employment, self-employment, or investment)
  • Debt-to-income ratio typically under 50%
  • Active bank account
  • Some programs require 2+ years employment or income history

Frequently Asked Questions

Can I use a personal loan for business purposes?

Technically yes, though for business use we typically recommend business loan products which offer better terms and maintain cleaner separation of personal and business finances.

How does the rate compare to a credit card?

Personal loans typically offer significantly lower APRs than credit cards, especially for borrowers with good credit. We'll show you the exact comparison before you commit.

Will applying hurt my credit score?

Finance Foundry initiates a soft pull during pre-qualification which does not affect your score. A hard pull only occurs when a lender formally reviews your application — we'll let you know before this happens.

Get Your Options

No commitment · No hard credit pull

🔒 Secure · Never sold · Soft pull only