As a privately owned cooperative, we are uniquely suited to focus on equality-enhancing services aimed at meeting the credit needs of our customers and ensuring financial development. The methods employed at F.I.G. are designed to work with responsible clients who have the ability to repay a loan despite a credit profile that is outside of a traditional lending institution’s typical underwriting standards for credit scores and repayment ratios.  

While we take all traditional factors into consideration for funding approval, at F.I.G., we also believe that “your story”, MUST play a role in the decision-making process. We understand that you are not simply the sum of your credit score, payment history, and number of hard inquiries. We offer lending products that ensure fair access to financial services and fair treatment of consumers that comply with applicable lending laws and regulations while ensuring that the unique circumstances of our clients are regarded.

STEP 1: EVALUATION: After we receive your initial loan request, an F.I.G. account manager will set up an appointment with you to discuss your needs and ask you to share some additional financial information such as tax returns and bank and cash flow statements. In most cases we can review your application in a just a few hours.

STEP 2: FUNDING: Funds are deposited directly into bank account through electronic transfer.

STEP 3: REPAYMENT: Repayments are collected through simple, weekly automatic ACH withdrawals.

Dealing with money shouldn’t be a burden. We will work with you to identify the right loan amount to avoid under or over-funding, so you’re not saddled with loan payments that push you further into financial difficulty.