Your account
Always know
your balance
Available credit, limit, utilization — all visible at a glance. Interest only on what you've
drawn, not the full limit.
What is it
Not a loan.
A credit line.
Pay interest only on what you draw. Repay, draw again. No fixed schedule, like a credit card, but backed by your minerals.
Pay interest only on what you draw. Repay, draw again. No fixed schedule — like a credit card, but backed by your minerals. (Your minerals secure the line — so the rate is lower)
See what your mineral rights could unlock
Up to 25x your check
Your royalty
check$500/month
check$500/month
Cash you can
unlock1$12,500
unlock1$12,500
Compare it with your current
credit card
Your current
card rate
card rate
25%
Your access (Frontlands APR)215.99%
Your advantage
(on $12,500)
Your minerals secure the line,
so the rate is lower
Your minerals secure the line, so the rate is lower
Features inside
Always know
Withdraw funds
Take what you need. Whenever
Choose your amount, and the money goes directly to your bank account. You're in full control of how much you take and when.
Making a payment
Pay as much or as little as you want
The slider shows your payoff time live. Minimum keeps the account healthy. Paying more = less interest.
Estimated payoff~2 months*
Estimated interest saved$1.09
Autopay
Set it once. Never
miss a payment
Automatic monthly payments. Change the amount or cancel anytime, no phone call needed.
Your account
Always know
your balance
Available credit, limit, utilization — all visible at a glance. Interest only on what you've
drawn, not the full limit.
Withdraw funds
Take what you need. Whenever
Choose your amount, and the money goes directly to your bank account. You're in full control of how much you take and when.
Making a payment
Pay as much or as little as you want
The slider shows your payoff time live. Minimum keeps the account healthy. Paying more = less interest.
Estimated payoff~2 months*
Estimated interest saved$1.09
Autopay
Set it once. Never miss a payment
Automatic monthly payments. Change the amount or cancel anytime, no phone call needed.
Watch it in action
See the full walkthrough under 3 minutes
In less than 3 minutes, we'll walk through the entire Frontlands experience
Common questions
Things people ask
before they apply
That's a fair question. First off, yes. Frontlands is a real financial product built specifically for mineral owners. It was built to offer another option for mineral owners — one that doesn't require selling.
We use public data to verify ownership, clearly show your terms upfront, and never require you to move forward until you're comfortable.
Was this answer helpful?
Mineral-backed credit is newer than traditional lending, and most banks aren't set up to underwrite royalty income the way we are.
Frontlands focuses exclusively on mineral owners, so the product is designed around how royalties and ownership actually work.
Mineral owners deserve to understand collateral, payments, and risk before they apply. We show terms early and explain how the line works in plain language.
If something doesn't feel right, you can stop before accepting an offer — checking your offer doesn't commit you to anything.
Once approved, you can transfer funds to your bank and use them for nearly anything — pay down high-interest debt, cover unexpected expenses, or simply create financial breathing room.
Amounts typically range from $2,000 to $500,000+, depending on the value of your mineral rights and your credit profile.
We'll show you exactly what you qualify for before you make any decisions.
Nothing. There's no requirement to draw funds. Your account can simply remain open and available for if and when you need it.
Your first payment is typically due 30 days after you draw funds from your account.
We'll outline your exact due date before you confirm your draw, so there are no surprises.
Your minimum payment will depend on how much you've drawn and your specific terms.
You'll always be able to see your required payment amount clearly in your account dashboard.
Once your payment is received:
- Your balance is reduced
- Available credit may be restored (depending on your terms)
- You can continue to draw funds if you choose
Yes. You can repay your balance at any time with no prepayment penalties.
No. We use a soft credit pull when you apply, so your credit score won't be affected.
We keep fees straightforward and easy to understand:
- No annual fees
- In some cases, an origination fee may apply
- Late or missed payments may result in additional fees
If any fees apply, you'll see them clearly before you accept.
If a payment is missed, additional fees may apply. More importantly, staying current helps protect your mineral rights.
If you're having trouble, we encourage you to reach out early — our team is here to work with you and help you stay on track.
Mineral owners with qualifying royalty income and ownership verified through public records and our review process.
Basic information about yourself and your minerals. We'll guide you through verification — most owners complete the first steps in a few minutes.
Frontlands was built for people who want to keep their mineral rights — not sell them.
Your minerals are pledged as collateral, similar to how a home secures a mortgage. As long as your account remains current, you retain full ownership.
If payments are not made over time, your minerals could be at risk, but we communicate early and clearly to help prevent that. Setting up automatic payments is one of the easiest ways to protect what's yours.
Yes. You can repay your balance at any time with no prepayment penalties.
Yes. Set up automatic payments in the app, adjust the amount, or cancel anytime without calling in.
Ready to see your offer?
Find out what your minerals unlock
It only takes a few minutes to check your offer. No impact to your credit score.