Get cash today—without selling your minerals rights.
Learn how Frontlands works, what it costs, and how repayment works before you apply.
See what your minerals may qualify you for.
Estimate your potential credit line, compare rates, and see how Frontlands works before you apply.
Compare it with your current credit card
*Credit limit may vary based on factors such as your creditworthiness, mineral rights value, and other criteria.
**APR is a Variable Rate. Actual APR may vary based on factors such as your creditworthiness, collateral asset value, and other criteria. Offer subject to approval. Rates may change without notice. Other terms and conditions may apply.
Designed to keep you in control
your balance
Available credit, limit, utilization—all visible at a glance.
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Draw funds directly from your available credit line and send them to your bank account in just a few taps.
Make the minimum payment or pay more to reduce interest and pay down your balance faster. You'll always see the impact before you submit.
Never miss a payment
Plus, change your payment amount or cancel anytime—right from your phone or computer.
your balance
Available credit, limit, utilization — all visible at a glance. Interest only on what you've drawn, not the full limit.
Choose your amount, and the money goes directly to your bank account. You're in full control of how much you take and when.
The slider shows your payoff time live. Minimum keeps the account healthy. Paying more = less interest.
Never miss a payment
Automatic monthly payments. Change the amount or cancel anytime — no phone call needed.
See our process, start to finish
In less than 3 minutes, we'll walk through the entire Frontlands experience
How Frontlands works
Things people ask before they apply
Will I lose my mineral rights?
As long as your account remains in good standing, you keep ownership of your mineral rights.
Your mineral rights are pledged as collateral. If you fail to repay your line of credit, your account will enter a Temporary Assignment process. Continued failure to repay could ultimately result in foreclosure, as described in your account agreement.
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How much can I qualify for?
Qualification amounts vary based on your mineral ownership, royalty income, and other factors considered during review.
The easiest way to find out what you may qualify for is to check your offer online.
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How quickly can I receive funds?
Most customers receive funds within 2-3 business days after accepting an offer.
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Can I cancel if I change my mind?
Yes, you can cancel your account. If you haven’t drawn any funds, there’s no obligation. Once funds are drawn, repayment terms apply. If you have questions about closing your account or changing your plans, please contact our team for assistance.
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Will I lose my mineral rights?
As long as your account remains in good standing, you keep ownership of your mineral rights.
Your mineral rights are pledged as collateral. If you fail to repay your line of credit, your account may first enter a Temporary Assignment process. Continued failure to repay could ultimately result in foreclosure, as described in your account agreement.
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What happens if I miss a payment?
If you miss a payment, late fees will apply and your account will become delinquent.
If you're having trouble making your payment, contact Customer Success immediately.
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Are there any fees?
Frontlands does not charge application fees or annual fees.
In some cases, an origination fee may apply Other fees, if applicable, will be disclosed as part of your account terms before you accept your offer.Interest applies only to the amount borrowed. Late fees may apply if payments are not made on time.
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Does checking my offer affect my credit score?
Checking your offer does not affect your credit score. Frontlands uses a soft credit inquiry during the qualification process, which does not impact your credit score.
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Can I pay it off early?
Yes. You can repay your balance at any time with no prepayment penalties.
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What happens after I make a payment?
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
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What are my minimum payments?
Your first payment is due on the 25th of the month following your first statement, according to your account agreement.
If you have questions about your payment schedule, please contact Customer Success.
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When is my first payment due?
Your first payment is due on the 25th of the month following your first statement, according to your account agreement.
If you have questions about your payment schedule, please contact Customer Success.
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What happens if I don’t use my account?
Nothing. There’s no requirement to draw funds. Your account can simply remain open and available for if and when you need it.
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How much can I get?
Qualification amounts vary based on your mineral ownership, royalty income, and other factors considered during review.
The easiest way to find out what you may qualify for is to check your offer online.
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What can I use my Frontlands account for?
Many customers use Frontlands for:
• Home repairs
• Medical expenses
• Debt consolidation
• Family expenses
• Emergency expenses
• Business opportunities
Once approved, you can transfer funds to your bank and use them for nearly anything. How you use your funds is up to you, subject to the terms of your account agreement. You only pay interest on the amount you choose to borrow.
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Why are you so upfront about this?
Because it's important that you understand exactly how the product works before making a decision.
Our goal is to provide clear information about eligibility, repayment, and account terms so you can decide whether Frontlands is right for your situation.
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Why haven’t I heard of something like this before?
For a long time, mineral owners had two options: sell their mineral rights or continue collecting royalty income.
Frontlands was created to offer another option—access to cash based on the value of your mineral rights without requiring you to sell them.
Because this is a newer financial product, many mineral owners are learning about it for the first time.
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Is this legitimate? How do I know it’s real?
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.
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See what your minerals may qualify you for
Enter your email and we'll send a free estimate based on publicly available data. No SSN required or hard credit pull.
Only a soft credit pull; payment performance not reported to credit bureaus.
