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Reduce your debts and improve cash flow

As a business owner, you know that every day brings a new challenge and opportunity. Starting a new business or finding the means to expand a business may seem intimidating, but it does not have to be. You can utilize your home equity to provide start-up capital, growth capital, or working capital to support your business if you own your home.

Did you know that you can use the cost of your loan as a tax write-off when you are investing it in your business in most cases? Connect with your accountant to learn more.

At Alpine Credits, our team of lending specialists is capable of working with you to thoroughly understand your financial situation and provide financing solutions for your business. Whether you need $10,000 or $500,000, we’re here to help you get the funds you need.

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Get the financial relief you need

Debt Consolidation

Our home equity loans come with very competitive interest rates. So if you’re looking to consolidate debt from high-interest loans like credit cards, doing so with Alpine Credits will likely result in lower monthly payments.

It takes less than 2 minutes to fill and submit the loan application. Once we receive your application our team can review the requirements and get back to you with a preliminary quote.

Our loan specialists are always available to walk you through the application or funding process.

We understand that everyone has different financial needs. We won’t reject your loan based on your reason for borrowing.

Consolidating debt with Alpine Credits gets bill collectors off your back. You’ll no longer have to dodge phone calls and letters from multiple institutions demanding payment. Just make one simple monthly payment and you’re good to go.

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Homeowners get approved in less than 24 hours

Home Equity Loans


Apply online in minutes


Get approved in less than 24 hours


Funds are deposited directly into your account within a week.

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See how Alpine Credits compares

There is no shortage of options to choose from when it comes to financial solutions. See how traditional banks, credit cards, and other loan options compare to a home equity loan from Alpine Credits.

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Credit cards

Credit cards are known for their high-interest rates, making them harder to pay off. Moreover, it negatively impacts your credit score any time you miss a payment.


Traditional banks

Banks have stringent loan approval criteria. They are also less flexible about reasons for borrowing money.


Personal loans

These loans are typically unsecured, which means higher interest rates. Rather than getting another loan, consolidating all your debts into one is easier to manage.

loan chart monthly payments
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Approved stamp

Own your home? You’re approved.

All you need to qualify for a loan is to own your home (or other real estate). Traditional banks look at factors such as your age, income, and credit history to approve you for a loan. At Alpine Credits, we focus on the amount of equity you have in your home or other real estate properties. We make the process as quick and easy as possible.

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Frequently asked questions

Debt consolidation is the process of taking out a new loan to pay off your old loans. The new loan is typically at a lower interest rate, which can save you money in the long run.

When you consolidate your debt, you essentially take out a larger loan amount to pay off all of your smaller loans. This new loan will have a much lower interest rate than your previous loans, which can save you a lot of money in the long run.

In the long-term, debt consolidation means big savings on your debt repayments, putting you in a stronger financial position for the future. The primary goal of this consolidation is to lower the interest rate on your debt. At Alpine Credits, our advisors help you with your debt consolidation to simplify and combine your debt for a more manageable interest rate and payment plan.

When you consolidate debt, your credit score will likely drop at first. But over the long run, debt consolidation can be the best thing for your credit score, as long as you use it to pay off debt. If you can successfully pay off your new loan, your credit score will rebound, making debt consolidation a smart decision.

If you consolidate your debt, it will stay on your credit report as an event for seven years. If you don’t have any other issues with debt or repayment over that period of time, it will eventually be removed from your report for good.

If you are looking to consolidate your debt, you will need to have a minimum of $5,000 in debt. This is because most lenders will not offer consolidation loans below this amount. But if your outstanding debt is less than $5,000, our credit advisors may be able to work with you to find an alternative plan.

**The above chart entitled “Monthly Loan Payments on $35,000” is for discussion purposes only. The graph is intended to illustrate various monthly payments associated with different product offerings to the reader. Please see below for the unique terms and conditions related to each offering. Final rates and payments for all loans in question are subject to change and vary based on each individual’s situation.

Bank Loans: $35,000 interest-only loan with fixed rate prime (2.95%) + 3% / monthly payment. Two-year term in which 100% of principal is owed at the end of the term. Other fees (appraisal/legal) may apply.
Alpine Credits 1st Mortgage: $40,500 (net $35,000) interest-only loan with 5.75% interest rate in year one and prime + 4.00% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Alpine Credits 2nd Mortgage: $40,500 (net $35,000) interest-only loan with 8.75% interest rate in year one and prime + 6.05% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Credit Cards: $35,000 loan paid off in 5 year & monthly PMT. 19.99% interest rate & fee of primary and secondary user ($99 + 30$ = $129 Yearly).
Online Loan 1: $35,000 loan paid off in 46 Months/Bi-weekly PMT with a 26.90% interest rate. Loan details have been taken directly from the online lending company’s website. Other fees may apply.
Online Loan 2: $35,000 loan paid off in 4 Years/Bi-weekly PMT. Loan details have been taken directly from the online lending company’s website. Other fees may apply.