Your mineral assets are an important part of determining eligibility. You may qualify even with poor or no credit history. Check your offer to see what may be available to you.

Your mineral rights have earned you credit

Q: Will I have to sell my mineral rights?

No. You keep ownership of your mineral rights. Your mineral rights are pledged as collateral for your line of credit.

Q: Do I still get my royalty checks?

Yes. Your royalty payments keep going to you. They can be temporarily redirected toward your outstanding balance only if your account becomes delinquent and Temporary Assignment begins. Once your account returns to good standing, your royalty payments are redirected back to you.

Q: What about my credit score?

Checking your offer won't affect your credit score. You don't need to provide your SSN to check your offer. A soft credit inquiry is completed later in the application process and does not affect your credit score.

Q: How fast can I get funds?

Most customers can access funds within 2–3 business days after accepting their offer, depending on closing requirements and county recording.

Q: What if I miss a payment?

If you're having difficulty making a payment, contact Frontlands as soon as possible. If your account becomes delinquent, Temporary Assignment may begin, during which royalty payments are temporarily redirected toward your outstanding balance. Your mineral rights are pledged as collateral. Failure to repay may result in Temporary Assignment or Foreclosure.

Proud member of

As seen in

What is Frontlands?

A line of credit backed
by your mineral rights

Traditional credit cards are
expensiveTraditional credit cards are expensive

Because they’re unsecured, there’s
nothing backing them. That’s why
traditional unsecured credit card
APRs typically run 17–29%Because they’re unsecured, there’s nothing backing
them. That’s why traditional unsecured credit card
APRs typically run 17–29%¹

Your minerals change the equation

They secure your credit line, similar
to how a home backs a mortgage.
Less risk means lower rates (APRs
start at 15.99%)They secure your credit line, similar to how a home backs
a mortgage. Less risk means lower rates (APRs start at
15.99%)² with the same flexibility to use funds when you need
them. with the same flexibility to use funds when you
need them.

See what your mineral rights could unlock

Up to 25x your check

Your royalty
check$500/month

Cash you could
unlock³$12,500

Your current
card rate

25%

Your access (Frontlands APR)²15.99%

Annual interest saved: $1,126/yr on
$12,500

A line of credit made for mineral owners

Frontlands gives you
access to cash using
your mineral rights – you
keep ownership, which
helps secure your
line of creditFrontlands gives you access
to cash using your mineral rights
– you keep ownership, which
helps secure your line of credit

Frontlands provides a flexible line of credit
secured by your mineral
rights, giving you
access to cash based on the value
of your assets

Benefits

Why mineral owners
choose Frontlands

“Never sell your minerals”

Our customers come to us because
they want to keep their mineral rights,
yet also have a cash need.Our customers come to us because
they want to keep their mineral rights,
yet also have a cash need.

A rate traditional credit cards
can't matchA rate traditional credit cards can't match

Traditional unsecured credit card
APRs typically run 17–29%Traditional unsecured credit card APRs typically
run 17–29%¹. Frontlands APRs start at
15.99% for qualified applicants. Frontlands APRs start at 15.99%
for qualified applicants², with no annual fees.

Take what you need.
Pay for what you useTake what you need.
Pay for what you use

Frontlands is a flexible credit line. You
pay interest only on what you use, not
your full credit line.Frontlands is a flexible credit line. You pay
interest only on what you use, not your full
credit line.

Customers love Frontlands

They didn't have to sell.
Neither do you.

Very knowledgeable

Attentive customer care

“All of the Frontlands representatives are very knowledgeable.
They all are very professional and interested and attentive to your needs. They are very loyal to their customer each time I have spoken to the customer care team.
Thank you Frontlands.”

Stephanie L.

Midland, TX

Yes, it matters!!

Mineral rights, more ways

“Frontlands is amazing in so many ways! It's such a help to know that our mineral rights can be used in more than one way.
This company has it all together!! They are efficient, professional, kind and helpful beyond measure, and they really care about the customer's needs.
There's no way I could say enough good about Frontlands! It all matters, and is such a blessing.”

Sherri N.

Richardson, TX

Eye-opening

Royalties as an asset

“I wasn't aware my royalties could be used as an asset beyond monthly deposits until I found Frontlands.
My first inquiry was eye-opening and very positive. The process has worked exactly the way it was proposed — I received a healthy limit and made a withdrawal.
I highly recommend Frontlands and the flexibility of their services.”

Thomas B.

Fort Worth, TX

Very knowledgeable

Attentive customer care

“All of the Frontlands representatives are very knowledgeable.
They all are very professional and interested and attentive to your needs. They are very loyal to their customer each time I have spoken to the customer care team.
Thank you Frontlands.”

Stephanie L.

Midland, TX

Yes, it matters!!

Mineral rights, more ways

“Frontlands is amazing in so many ways! It's such a help to know that our mineral rights can be used in more than one way.
This company has it all together!! They are efficient, professional, kind and helpful beyond measure, and they really care about the customer's needs.
There's no way I could say enough good about Frontlands! It all matters, and is such a blessing.”

Sherri N.

Richardson, TX

Eye-opening

Royalties as an asset

“I wasn't aware my royalties could be used as an asset beyond monthly deposits until I found Frontlands.
My first inquiry was eye-opening and very positive. The process has worked exactly the way it was proposed — I received a healthy limit and made a withdrawal.
I highly recommend Frontlands and the flexibility of their services.”

Thomas B.

Fort Worth, TX

How to apply

Three steps. No hassle.

1
Apply online
Tell us about your minerals. No SSN.
No credit pull. We only use public data.
Checking your offer won’t affect your credit score
2
Get your offer
We value your minerals using real market data. All credit scores qualify.
No surprises, no hidden fees
3
Access your funds
Draw what you need, when you need it.
Funds in 2–3 business days after accepting an offer

Questions owners ask

Is this a loan?

No. Frontlands offers a revolving line of credit backed by your mineral rights, rather than a traditional term loan. Draw what you need, repay it, and draw again up to your available credit limit. You pay interest only on the amount you use.No. Frontlands offers a revolving line of credit backed by your mineral rights, rather than a traditional term loan. Draw what you need, repay it, and draw again up to your available credit limit. You pay interest only on the amount you use.

Was this answer helpful?

Will I have to sell my mineral rights?

Do I still get my royalty checks?

What about my credit score?

How do I qualify?

How fast can I get funds?

What if I miss a payment?

Guides & resources

Clear guidance
for mineral owners

5 reasons not to sell your minerals

What are your mineral rights worth?

What are your mineral rights worth

The alternative to mineral rights loans & royalty based lending you didn't know existed

This content is provided by a third party
and is for informational purposes only

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.

Access the cash you want without selling your mineralsYour mineral rights have earned you credit

A line of credit backed by your mineral rights

Traditional credit cards are expensiveTraditional credit cards are expensive

Your minerals change the equation

See what your mineral rights could unlock

Frontlands gives youaccess to cash usingyour mineral rights – youkeep ownership, whichhelps secure yourline of creditFrontlands gives you accessto cash using your mineral rights– you keep ownership, whichhelps secure your line of credit

Why mineral ownerschoose Frontlands

“Never sell your minerals”

A rate traditional credit cards can't matchA rate traditional credit cards can't match

Take what you need. Pay for what you useTake what you need. Pay for what you use

They didn't have to sell.Neither do you.

Very knowledgeable

Yes, it matters!!

Eye-opening

Very knowledgeable

Yes, it matters!!

Eye-opening

Three steps. No hassle.

Apply online

Get your offer

Access your funds

Questions owners ask

Clear guidance for mineral owners

5 reasons not to sell your minerals

What are your mineral rights worth?

What are your mineral rights worth

The alternative to mineral rights loans & royalty based lending you didn't know existed

Find out what your minerals unlock

A line of credit backed
by your mineral rights

Traditional credit cards are
expensiveTraditional credit cards are expensive

Frontlands gives you
access to cash using
your mineral rights – you
keep ownership, which
helps secure your
line of creditFrontlands gives you access
to cash using your mineral rights
– you keep ownership, which
helps secure your line of credit

Why mineral owners
choose Frontlands

A rate traditional credit cards
can't matchA rate traditional credit cards can't match

Take what you need.
Pay for what you useTake what you need.
Pay for what you use

They didn't have to sell.
Neither do you.

Clear guidance
for mineral owners