Loan products
Four products. One underwriting standard.
Whether you're borrowing as an individual or a business, every Bequest loan is priced against your actual ability to repay — not just a checklist.
For individuals
Personal Loans
Fixed-rate financing for debt consolidation, medical expenses, home repairs, or other life events — sized to what you can comfortably repay, not just what you qualify for on paper.
- Loan amount$5,000 – $150,000
- Term length3 months – 7 years
- Rate typeFixed
- Use of fundsDebt consolidation, life events, home repairs
- Decision timeTypically 24–48 hours
For businesses
Business Loans
Working capital, equipment purchases, inventory financing, and expansion funding for owner-operated and growing businesses that need capital faster than a bank's committee cycle.
- Loan amount$25,000 – $2,000,000
- Term length6 months – 10 years
- Rate typeFixed or variable
- Use of fundsWorking capital, equipment, inventory, expansion
- Decision timeTypically 2–5 business days
For homebuyers and homeowners
Residential Mortgages
Purchase and refinance mortgages for borrowers who don't fit conventional bank criteria — self-employed applicants, non-traditional income, or time-sensitive closings. We also lend in second position behind an existing bank or first mortgage, for homeowners who need to access equity without disturbing their existing first mortgage.
- Loan amount$75,000 – $2,500,000
- Second mortgages (2nd position)$50,000 – $500,000
- Term length6 months – 30 years
- Rate typeFixed or variable
- Use of fundsPurchase, refinance, equity take-out, second mortgages
- Decision timeTypically 3–7 business days
For property owners and investors
Commercial Mortgages
Acquisition, refinance, and bridge financing secured against commercial and mixed-use property, structured around the deal's actual timeline rather than a standard template.
- Loan amount$150,000 – $5,000,000
- Term length6 months – 25 years
- Rate typeFixed, variable, or bridge
- Use of fundsAcquisition, refinance, bridge financing
- Decision timeTypically 3–10 business days
Not sure which product fits?
Send us a few details and we'll point you to the right option — or tell you honestly if we're not a fit.