A line of credit backed by your mineral rights
Traditional credit cards can cost you more
Because they're unsecured, there's nothing backing them. That added risk often means higher interest rates, typically 17–29% APR.*
Your minerals change the equation
Your mineral rights secure your line of credit, much like a home secures a mortgage. Less risk can mean lower rates (around 15.99% APR)** with the flexibility to access funds when you need them.
Estimated annual interest savings: $225 on a $10,000 balance
Estimated amount only. Actual credit line subject to underwriting, collateral valuation, and eligibility review
See what your minerals are worth
Enter your email and we'll send your free estimate — no SSN, no credit pull
Frontlands allows you to keep your mineral rights and access cash when you need it.
Frontlands provides a flexible line of credit secured by your mineral rights, giving you access to cash based on the value of your assets
Why mineral owners
choose Frontlands
Get the cash you need without selling your mineral rights.
Check what your minerals may qualify you for with no commitment.
Once approved, access funds as you need them and pay interest only on what you use.
Your mineral rights serve as collateral for the credit line
They didn't have to sell.
Neither do you.
Three steps. No hassle.
Apply online
Tell us about your minerals. No SSN. No credit pull. We only use public data.
No hard credit inquiry required
Get your offer
We value your minerals using real market data. All credit scores qualify.
No surprises, no hidden fees
Access your funds
Draw what you need, when you need it. Funds typically in 1–5 days.
Funds in 1–5 business days*
Questions owners ask
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 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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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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