Life House Financial is an affiliate marketing company founded in 2011 in Lewes, Delaware. The company connects borrowers with various nationwide lenders and specializes in small business loans, unsecured personal loans, and debt consolidation solutions. Small business owners can apply at no cost on the company’s website and receive funding within 10 days of approval.

The company works with all types of credit histories for both consumers and small business owners; however, customers with lower credit scores are typically subject to paying high-interest rates.

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Typical Borrowers

Life House works with all credit types and has certain application requirements in order to qualify for a small business loan. Borrowers must have a minimum 500 credit score and generate $100,000 in annual gross revenue. Small business owners must be in business for at least a year and have a business bank account.

Best Uses

Small business loans from Life House Financial are typically used for a variety of business purposes, including inventory purchases, system upgrades, and marketing.

Minimum Qualifications

  • $100,000 Annual Income
  • 1 Year in Business
  • 500 Credit Score

The Good

Business owners looking for financial assistance on a short-term basis can find relief from LifeHouse. They provide loans to businesses with varying credit circumstances and do not charge early repayment. Benefits of the LifeHouse business model include:

Pros of Life House Small Business Loans

  • Short Term Lengths
  • Loans Available for All Credit Types
  • Several Offered Loan Types
  • Fast Approval
  • No Prepayment Penalties
  • No Origination Fees

Transparent Application Requirements

Life House fully discloses its application requirements, loan terms, and interest rates to the general public on its corporate website. The company works with all types of credit situations and provides access to funding within 5–10 days after approval. Loan amounts and terms are small and manageable for most businesses and the company does not charge fees for paying off an acquired loan early.

Educational Resources

Small business owners are able to access numerous educational articles and financial tools to assist them in obtaining the best loan for their unique needs. Borrowers are able to learn about each type of business and personal loan and figure out what their monthly payments may be before applying. Borrowers can also contact the company directly with any questions they may have.

The Bad

Even though small business can find the solution they need offered through LifeHouse, there are concerns that need to be addressed as well. These limitations include the following items:

High-Interest Rates

Interest rates for small business owners with bad credit can be as high as 36 percent. The company does not offer services or resources to help borrowers raise their credit scores in order to access lower rates. Borrowers are also expected to pay 3–5 percent in closing costs as well. Other undisclosed fees may apply.

Low Amounts of Capital

The company only offers to finance up to $100,000, which may not be enough capital for some business owners to adequately meet their needs. Similar online competitors provide access to $1–5 million in funding for companies needing large amounts of startup or other working capital needs.

No Lender Transparency

The company does not publicly disclose the lenders it works with. Since the company controls what offers are sent to the applicant, it is difficult to determine if those offers are truly the best deal the small owner could acquire.

The Bottom Line

Life House Financial helps small business owners acquire financing, no matter what their credit situation may be. The company is transparent with its pricing and terms from its affiliated lenders and offers educational resources and financial tools; however, limited funding amounts may not be enough for certain business needs and business owners with bad credit are subject to high-interest rates.

Frequently Asked Questions

How long will it take to receive funds from Life House Financial?

The company is able to have funds available for you to start using within approximately 5–10 days.

Does Life House Financial require collateral with its loans?

The company requires either business or personal collateral in order to receive a loan.

Does Life House Financial have prepayment penalties?

The company does not have any prepayment penalties.

Does Life House Financial charge origination fees?

The company does not charge an origination fee.

Does Life House Financial charge closing fees?

Closing fees range from 3–5 percent.

How can I contact Life House Financial?

Consumers can contact the company by phone at 1-888-952-7280.

More Information

Types of Loans Offered

  • Unsecured Loans
  • Startup Business Loans
  • Commercial Mortgage
  • Equipment Loans
  • SBA Loans
  • Working Capital

Rates Offered

1.9–36 percent

Term Lengths

12–60-month terms

The Borrowing Process

Small business owners can apply for a loan by filling out a short online form on the company’s website. The company will match the applicant with the best available loan offers with the lowest rates. Life House helps the borrower to choose from each of these loan offers, and transfers funds from the lender once the process is complete.

How to Apply

Small business owners can visit the corporate website and fill out a short online form with basic personal and business information. Life House then reviews the information and matches it with a lender that best meets the applicant’s needs. Its affiliated lenders will make loan offers with terms and conditions. The borrower selects one of these offers by signing an agreement. Once Life House Financial receives this paperwork, the requested funding is then transmitted to the borrower’s bank account.

During the application process, applicants will be required to submit certain documentation, including a business plan, cash flow statements, payroll accounting, and a balance sheet listing assets and liabilities. Business owners should be in operation for over a year and be generating at least $100,000 in gross annual income in order to qualify. Credit scores do not affect qualification, but will determine interest rates. Personal loan specialists are available to answer any questions and provide other assistance as needed.

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