Mineral Line of Credit™
Turn Your Mineral Rights Into Cash (without selling)
The Frontlands Mineral Line of Credit (MLOC™) lets you borrow against your mineral rights. Like a credit card, use only what you need and pay interest on what you use.
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Applying will not impact your credit.
Whether you need a safety net or emergency cash, a Mineral Line of Credit can help.
How much could you unlock?
If you give us an approximate value for your monthly royalty check, we can give you a pretty close estimation of the value of your Mineral Line of Credit
The smart alternative to selling your minerals
Revolving line of credit
The Mineral Line of Credit gives you access to funds for as long as you need them, when you need them.
Lower interest rates
An APR 5-10 percentage points lower than most traditional consumer credit cards.
Flexible payments
Only pay interest on what you use and make payments like a regular credit card.
Apply with zero impact on credit score
It’s free to check and see how much you can get. Are you ready?
The Frontlands MLOC card will be available early 2025
Trusted by mineral industry experts
“If you’re not ready to sell, but you want to unlock the value of your minerals, I cannot recommend Frontlands enough.”
Steven Hatcher – The Minerals Guy
How it works
Unlock your Mineral Line of Credit in 4 easy steps
1.
Create your profile
Share some basic information about yourself and your mineral rights. Applying will not affect your credit score.
2.
Get your estimate
We will provide your Mineral Line of Credit estimate 1-2 business days after receiving your application
3.
Accept and sign
Once you have reviewed and accepted your final MLOC amount, experience effortless document signing with our fully digital notary solution.
4.
Start using your Mineral Line of Credit
This is where we hand over the keys to your Mineral Line of Credit. At this point, you will have access to your account information and online dashboard, where you can monitor spending and make payments online.
How Frontlands compares
Please do your own research. This chart is for illustration purposes only and should not be considered legal or accounting advice.
Apply NowWhat is it?
Mineral Line of Credit™
Personal Bank Loan
Credit Card
Asset-based credit line
A lump-sum loan repaid with interest over time.
Revolving credit line with a credit limit.
Interest rate
13% - 19%
13% - 19%
21% - 29%
Draw down
Draw only what you need when you need it.
100% drawn when you initiate the loan.
Draw only what you need when you need it.
Monthly Payments
Minimum payment required, pay based on usage.
Fixed (principal + interest)
Minimum payment required, pay based on usage.
Minimum credit score required
>550
>650
>580
Income required
No income requirement
2-4x loan amount
2-4x credit limit
Repayment period
Flexible terms with minimum payments.
House 10-30 yrs., Car 3-7 yrs., Personal <5 yrs.
Flexible term with minimum payments.
Collateral
Your mineral interests.
home, car, or other personal assets
n/a
Fees
For most MLOCs there are no closing costs, annual fees, etc
Most loans have closing costs, prepayment fees, etc.
Often have monthly or annual fees.
Here’s the small print: As with any financial instrument, there are a number of asterisks. If you stop paying us, then your MLOC will be in default and there are additional costs associated with any account that is in default. We encourage all borrowers to pay on time, and if you encounter a hardship of some kind that you communicate this to a Frontlands team member immediately.
No hidden fees.
No stress.
$0
- Origination fee
- Annual fee
- Appraisal fee
- Notary fee
- No prepayment penalty
Apply now
Expert Guidance
Our mineral rights advocates guide you every step of the way
We know the business and we know the land. We have specialists who have dedicated themselves to understanding the needs of mineral rights owners. We can demystify the often-complex language and help you make the right decision for you and your family
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Frequently Asked Questions
Open your Mineral Line of Credit with transparency & clarity
What is a Mineral Line of Credit?
Who is a Mineral Line of Credit for?
How much does a Mineral Line of Credit cost?
Will applying for a Mineral Line of Credit impact my credit score?
Jorge paid for an unexpected medical bill with his Mineral Line of Credit
When Jorgé needed to cover the cost for unplanned dental work, he considered selling his mineral rights to access cash quickly.
MLOC allowed him to retain his mineral rights and get the funds he needed to cover his medical bill. Plus, he has access to MLOC funds again if he ever needs it again in the future.
MLOC allowed him to retain his mineral rights and get the funds he needed to cover his medical bill. Plus, he has access to MLOC funds again if he ever needs it again in the future.
What will you do with your Mineral Line of Credit?
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