creditpath.io | Products
CreditPath.io equips financial advisors with streamlined access to diverse financing solutions. Our platform prioritizes capital retention and asset control, delivering optimal lending terms that meet client needs while safeguarding wealth.
Access Simplified. Credit Amplified.
SECURITIES-BACKED LENDING - SBLOC
Securities-Backed line or credit or loans, also known as asset-backed loans, allow borrowers to leverage their investment portfolios (such as stocks, bonds, or other securities) as collateral to secure a loan. The loan amount is typically determined by the value of the securities in the portfolio, with lenders offering loan-to-value (LTV) ratios, often ranging from 50% to 80%, depending on the type of securities and associated risk.
Through CreditPath.io, advisors gain access to hundreds of premium credit products, including securities-backed loans, enabling them to offer diverse, customized lending solutions to their clients. By connecting with an extensive network of lenders, advisors can access a wide variety of competitive terms and financing options that traditional channels might not provide. CreditPath.io streamlined process ensures that advisors can find the best lending opportunities that align with their clients' financial goals and asset profiles, while simplifying the experience and saving time.
This seamless access to tailored products, coupled with the competitive rates offered by lenders on CreditPath.io, ensures that your clients can retain their investments while gaining access to liquidity—without the need to sell their securities. By using CreditPath.io to source a variety of loan options, you can confidently provide solutions that meet your clients' needs and provide them with valuable financial flexibility.
Key points about securities-backed loans:
Collateral: Investment assets like stocks, bonds, or mutual funds.
Loan-to-Value (LTV): Typically ranges from 50-80%, depending on the securities and lender.
Uses: Often used for large purchases, such as real estate or business investments, or for short-term liquidity needs.
Advantages: Access to cash without having to liquidate investments, often with lower interest rates than unsecured loans.
BUSINESS SOLUTIONS LENDING (COMMERCIAL)
Business Solutions Lending, also known as Commercial Lending, provides loans to businesses rather than individuals, typically for the purpose of financing operations, growth, or capital expenditures. These loans enable businesses of all sizes to access the capital they need for activities such as purchasing equipment, expanding operations, or refinancing existing debt.
CreditPath.io offers seamless access to a wide range of commercial lending products, from traditional term loans to specialized options like lines of credit, equipment financing, and real estate loans. By connecting advisors with a diverse network of lenders, CreditPath.io ensures that they can offer the most competitive, customized financing solutions for their clients’ unique business needs.
With CreditPath.io streamlined process, advisors can quickly and easily source the best lending terms available, saving valuable time and effort. By leveraging our platform, advisors can provide their clients with access to tailored capital solutions that help fuel growth, improve cash flow, and drive long-term success—without the need for extensive paperwork or delays. This combination of speed, flexibility, and competitive rates ensures that your clients can meet their financial goals with confidence.
Key points about business solutions lending (commercial lending):
Purpose:
These loans are designed to help businesses finance operational needs, expansion, or purchase of assets like equipment or real estate.
Loan Types: Includes term loans, lines of credit, equipment financing, real estate loans, and working capital loans.
Collateral: Depending on the loan type, businesses may be required to provide collateral, such as company assets, accounts receivable, or real estate.
Interest Rates: Rates can vary based on the type of loan, business creditworthiness, and market conditions. Secured loans (those backed by collateral) typically have lower interest rates than unsecured loans.
Loan Terms: Terms can range from short-term (a few months to a year) for working capital needs, to long-term loans (5-10 years) for major capital expenditures or real estate acquisitions.
Lender: Commercial loans are often provided by banks, credit unions, online lenders, and alternative financing institutions.
Common types of business solutions lending:
Term Loans: Lump sum loans with a set repayment schedule over a fixed period.
Lines of Credit: Flexible loans where businesses can draw funds up to a set limit as needed, paying interest only on what’s borrowed.
SBA Loans: Government-backed loans provided through the Small Business Administration, designed for small businesses with favorable terms.
Equipment Financing: Loans specifically used to purchase equipment, where the equipment itself often serves as collateral.
Commercial Real Estate Loans: Loans for businesses to purchase or refinance commercial property.
Invoice Financing: Businesses can secure loans based on their accounts receivable or invoices.
Advantages:
Access to Capital: Businesses can obtain the funding needed for growth, expansion, or working capital.
Flexible Terms: Depending on the type of loan, businesses may have more flexibility in repayment schedules or borrowing limits.
Collateral Options: Businesses can secure loans with assets like property, equipment, or inventory, which may allow for better loan terms.
REAL ESTATE MORTGAGE LENDING
Real Estate Mortgage Lending involves providing loans to individuals or businesses to purchase or refinance real estate. These loans are secured by the property itself, meaning the lender holds a claim on the property in case the borrower fails to repay the loan. Mortgage loans are commonly used for residential, commercial, or investment properties.
Through CreditPath.io, advisors gain access to a wide variety of mortgage lending products tailored to meet the specific needs of their clients. From residential loans to commercial property financing, CreditPath.io connects advisors to a diverse network of lenders offering competitive terms and flexible options.
CreditPath.io streamlined platform enables advisors to source the most suitable mortgage options quickly and efficiently, providing clients with the financing they need to make informed real estate decisions. Whether purchasing a new home, refinancing an existing property, or investing in commercial real estate, CreditPath.io ensures that advisors can confidently offer competitive, customized mortgage solutions that align with their clients' goals and financial situations.
Key points about real estate mortgage lending:
Purpose:
Real estate mortgage loans are primarily used for purchasing or refinancing residential or commercial properties.
Secured Loan: These loans are secured by the real estate property itself, meaning if the borrower defaults, the lender has the right to foreclose on the property to recover the loan balance.
Types of Mortgages:
HELOCs (Home Equity Lines of Credit): Revolving credit that allows homeowners to borrow against the equity in their homes. They are similar to credit cards in that they offer a line of credit that the borrower can draw from as needed, but they are secured by the borrower’s home.
Conventional Loans: Traditional mortgage loans that are not insured or guaranteed by the government.
Government-Backed Loans: Loans that are insured or guaranteed by government agencies, such as FHA (Federal Housing Administration), VA (Veterans Affairs), and USDA (U.S. Department of Agriculture) loans.
Jumbo Loans: Loans that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA) and are typically used for high-value properties.
Fixed-Rate Mortgages: Loans with a fixed interest rate for the entire term of the loan, providing predictable monthly payments.
Adjustable-Rate Mortgages (ARMs): Loans with an interest rate that adjusts periodically based on market conditions, leading to potentially fluctuating payments over time.
Interest-Only Mortgages: A type of loan where the borrower only pays interest for a set period, and the principal is paid later.
Reverse Mortgages: A loan available to homeowners aged 62 or older that allows them to convert part of their home equity into cash, typically without monthly payments.
Collateral: The real estate property being purchased or refinanced serves as the collateral for the loan. This reduces the lender's risk compared to unsecured loans.
Interest Rates: Mortgage interest rates can be fixed or variable, depending on the loan type. The rates are often influenced by factors such as the borrower’s credit score, loan amount, property value, and market conditions.
Loan Terms: Mortgage loans typically have long repayment terms, ranging from 15 to 30 years, although shorter or longer terms may also be available.
Advantages of Real Estate Mortgage Lending:
Access to Homeownership: Enables individuals and businesses to purchase property without having to pay the full price upfront.
Long-Term Financing: With loan terms that typically range from 15 to 30 years, mortgage lending allows for affordable monthly payments.
Tax Benefits: Interest payments on mortgage loans are often tax-deductible (for residential mortgages).
Building Equity: As the borrower makes payments, they build equity in the property, which can be used for future financial leverage.
LUXURY ASSET COLLATERALIZATION
Luxury Asset Collateralization involves using high-value luxury assets—such as yachts, planes, fine art, jewelry, and other luxury items—as collateral to secure loans. This type of financing enables individuals or businesses to leverage their valuable assets to access capital without the need to sell them.
CreditPath.io provides advisors with access to a wide range of luxury asset-backed loan options, connecting them with lenders who specialize in offering competitive terms for high-value assets. Through our platform, advisors can quickly and easily identify the best financing solutions for clients looking to unlock the value of their luxury assets, whether it's for personal or business purposes.
By using CreditPath.io, advisors can offer flexible and tailored financing solutions that allow clients to retain ownership of their valuable assets while accessing the liquidity they need. The streamlined process ensures that the experience is efficient and seamless, helping clients maintain financial flexibility without the pressure of selling or liquidating their prized possessions.
Key Points about luxury asset collateralization lending:
Purpose:
This financing option is typically used by high-net-worth individuals or businesses to access liquidity for personal or business needs while retaining ownership of their luxury assets. It can be used for a wide range of purposes, such as business expansion, luxury purchases, or investment opportunities.
Collateral: Luxury assets, including:
Yachts: Luxury yachts can be used for collateral, with lenders evaluating their market value, age, and condition.Aircraft:
Private jets, helicopters, and other types of aircraft are highly valued assets that can be used to secure financing.
Fine Art: High-end artwork, such as works by renowned artists, can also be used as collateral. These assets require professional appraisals to determine value.
Jewelry: Rare or expensive jewelry such as diamond rings, necklaces, and watches can serve as collateral for loans.
Classic Cars: Collectible cars, particularly those with historical significance or rare models, can be valued and used to secure loans.
OUR SIMPLE PROCESS
SUBMIT FOR A REQUEST
Financial advisors begin by submitting a request on the platform, specifying the client’s needs and preferences for credit solutions.
AUTOMATED OUTREACH
Once the request is submitted, our system automatically reaches out to a network of trusted creditors who will review the request and provide tailored options.
RECEIVE & SELECT TERMS
Within 24 hours, the creditor options are uploaded to CreditPath.io. Advisors can review the terms, including exclusive rates and fees, and select the best options for their clients.
SUBMIT AND FINALIZE
The advisor tracks the progress directly with the creditor until the credit is successfully processed and finalized.
FREQUENTLY ASKED QUESTIONS
How do I get started with CreditPath.io?
Getting started with CreditPath.io is free and simple for financial advisors. Simply submit a request through the platform, and our automated process will reach out to our network of creditors. Within 24 hours, you’ll receive tailored options directly from the creditors, which will be uploaded to CreditPath.io for you to review. You can track the process electronically, print the term sheets, and consult with your clients. Once your clients are ready to proceed, they can apply for credit directly through a URL link provided on the term sheet. All documents are delivered in PDF format for easy sharing and tracking.
What are the advantages of using CreditPath.io for financial advisors?
CreditPath.io offers several advantages for financial advisors:
Free Access: Advisors can use the platform at no cost.
Discounted Fees & Rates: Our platform provides access to exclusive, discounted fees and competitive rates that benefit both you and your clients.
Efficiency: The automated process saves time by connecting you directly with creditors, delivering tailored options within 24 hours.
Transparency: All interactions and terms are tracked electronically, so you can monitor the progress and provide your clients with clear, up-to-date information.
Customizable Options: Advisors can offer clients a wide range of credit solutions, from business financing to luxury asset loans, all in one place.
Client-Focused: Our platform ensures that you can quickly provide your clients with flexible, competitive lending terms, fostering trust and long-term relationships.
How quickly will I receive credit options for my clients?
Once you submit a request on CreditPath.io, creditors typically provide tailored options within 24 hours. These options are then automatically uploaded to the platform, where you can review and track them electronically. This quick turnaround allows you to consult with your clients promptly, ensuring they have access to the best credit solutions in a timely manner.
How do I track the progress of my client's credit request?
Currently, tracking progress is done directly through communication with the credit provider. Once you submit a request, you’ll work with the creditor to stay updated on the status and next steps. In the future, CreditPath.io will be rolling out a dashboard that will provide electronic tracking of requests, offering an even more streamlined experience for advisors.
Can I customize the credit solutions I offer to clients?
Yes, CreditPath.io allows you to offer highly customizable credit solutions. Once you submit a request, creditors provide tailored options based on your client’s needs. You can select from a variety of products—including business financing, mortgages, and luxury asset loans—and choose the terms that best suit your client's situation. This flexibility ensures you can offer the most relevant and effective solutions for each unique case.
Are the credit terms provided on CreditPath.io competitive?
Yes, the credit terms provided through CreditPath.io are highly competitive. In fact, all creditors on our platform must offer better terms and fees than what’s available at retail to be included. We work with a select network of top-tier creditors who provide exclusive, hard-to-find lending terms, ensuring you can offer your clients the best possible financing options with discounted rates and fees.
How do I share credit options with my clients?
Once you receive the tailored credit options from the creditors, you can easily share them with your clients. The options are delivered electronically through CreditPath.io in PDF format, allowing you to print the term sheets or share them digitally. Additionally, the term sheets include a URL link for your clients to apply for credit directly, streamlining the process and making it simple for them to move forward.
Are there any fees for financial advisors to use CreditPath.io?
No, CreditPath.io is completely free for financial advisors. There are no upfront or hidden fees to access our platform or request credit options. Our goal is to provide you with seamless access to top-tier credit solutions and exceptional service without any added costs.
Will CreditPath.io compete with me or steal my clients?
No, CreditPath.io does not compete with you or steal your clients. We are dedicated to supporting financial advisors and enhancing their client relationships. Our platform is designed to help you offer tailored credit solutions to your clients, not to bypass or replace you. We believe in fostering long-term partnerships with advisors, and all communication and interactions with clients remain under your control. We are committed to maintaining a non-competitive and collaborative approach.
Why are the terms and fees on CreditPath.io lower than retail, and are there any restrictions I should be aware of?
TThe competitive terms and discounted fees offered through CreditPath.io are possible because of the exclusive relationships we have with our network of creditors. These creditors agree to provide better terms than retail in exchange for our structured process, which includes working directly through CreditPath.io. By using the platform, you and your clients benefit from these lower costs.
However, it’s important to note that our terms and conditions prefer that all transactions be processed through CreditPath.io. This ensures access to the exclusive terms and fees we’ve secured with our creditors. Circumventing the platform would result in losing access to these benefits. Our goal is to maintain the integrity of the relationships we’ve built and continue offering the best possible financing options.
What is the process for using CreditPath.io?
The process for using CreditPath.io is simple and efficient:
Submit a Request: Financial advisors begin by submitting a request on the platform, specifying the client’s needs and preferences for credit solutions.
Automated Outreach: Once the request is submitted, our system automatically reaches out to a network of trusted creditors who will review the request and provide tailored options.
Receive Tailored Options: Within 24 hours, the creditor options are uploaded to CreditPath.io. Advisors can review the terms, including exclusive rates and fees, and select the best options for their clients.
Client Consultation: Advisors consult with their clients using the term sheets provided. These options are available in PDF format and include a URL link for clients to apply for credit directly.
Track & Finalize: The advisor tracks the progress directly with the creditor until the credit is successfully processed and finalized.
TESTIMONIAL
"As a financial advisor, I had a client who was interested in purchasing a $5 million home but was struggling to secure traditional financing due to a lack of tax returns and formal income documentation. With Credit Path, we were able to access non-traditional mortgage options that were not only competitive but also tailored to the unique needs of my client. The ability to finance 75% of the home without the usual paperwork requirements was a game changer, saving my client from the need to pay cash. Thanks to Credit Path, we were able to secure a solution that provided both flexibility and significant financial relief." - VALERIE
Disclaimer: All terms and conditions provided through CreditPath.io are subject to change and are not final until a full application is submitted, reviewed, and approved by the creditor's underwriting department. CreditPath.io operates on a best-effort basis to provide tailored credit options based on the information supplied in the request. However, the terms provided are preliminary and subject to change upon a complete review of financials, creditworthiness, and other relevant factors. The data provided in the initial request serves as a starting point for the credit evaluation process and is not binding.
CreditPath.io is a lead aggregator and acts solely as a conduit between financial advisors and credit providers. CreditPath.io does not provide the terms or credit itself but connects advisors with approved creditors. All credit terms and conditions are provided directly by the credit providers, and any final decisions regarding approval, terms, and creditworthiness are determined by the creditor.
*CreditPath.io does not provide tax advice. Clients should consult with a tax advisor(s).Footer
