Athlete Financing
Loans against professional athlete contracts
Financing solutions for every stage of an athlete's career
$100K–$50M
Advance amounts
8–18%
Annual rates
24 hrs
Typical funding
4 leagues
NBA · NFL · MLB · NHL
Financing for every stage of a career
Whether you are a projected first-round pick, an active player between paychecks, or navigating free agency, we have a lending structure designed for your situation.
Standard terms
- Advance amounts
- $100,000 – $50,000,000
- Annual rates
- 8% – 18%
- Loan-to-value
- Up to 30% of guaranteed value
- Term length
- 6 – 36 months
- Funding speed
- As fast as 24 hours
- Prepayment penalty
- None
Pre-draft financing
Capital for projected NBA and NFL draft picks. Fund training, relocation, and living expenses based on projected draft position and rookie scale value.
NBA & NFL prospects · Based on projected slot
Free agent bridge financing
Short-term capital during free agency negotiations. Keeps athletes liquid while securing the best possible deal without financial pressure.
Bridge loans · Typically 3–6 months
Off-season liquidity
Bridge the gap between paychecks. Short-term capital for investments, expenses, or opportunities that arise during the off-season.
Seasonal bridge · Aligned to next paycheck
Side-by-side comparison
Each product is structured differently to match the borrower's situation. Here's how they compare.
| Pre-Draft | Free Agent | Off-Season | |
|---|---|---|---|
| Eligible borrowers | NFL & NBA prospects | All major league FAs | Active contract holders |
| Collateral | Projected rookie contract | Expected next contract | Existing guaranteed contract |
| Typical term | 6–12 months | 3–6 months | 3–12 months |
| Advance range | Up to 10% of projected | $100K–$50M | $100K–$50M |
| Repayment trigger | Contract signing | New contract execution | Next game check |
| Funding speed | 24 hours | 24 hours | 24 hours |
From application to funding
A structured approach to contract-backed lending, designed for the unique needs of professional athletes and their representatives.
Pre-qualification
Provide contract details or search our database by player name. Receive a preliminary estimate with no credit inquiry required. Takes less than 5 minutes.
- No credit check
- No obligation
- Agent or athlete can initiate
Application & review
Submit your formal application with supporting documentation. Our underwriting team conducts due diligence and contract verification, typically within 1–3 business days.
- Dedicated loan officer assigned
- Contract verified with league office
- Clear communication at each step
Funding
Upon approval, funds are typically disbursed within 24 hours via wire transfer. All terms, rates, and repayment schedules are documented in a clear agreement.
- Same-day wire transfer available
- No prepayment penalties
- Repayment aligned to contract schedule
Ready to discuss your financing needs?
Speak with a lending specialist or start your pre-qualification online.