Smart capital for
growing ambitions
SOFI LENDING CORP. provides tailored credit solutions for individuals, small businesses, and institutions. Transparent terms, fair rates, and a commitment to your financial success.
Credit designed around you
From personal loans to business financing — we have options that fit your unique situation.
Personal Credit
Flexible financing for life's moments — education, medical needs, home improvements, and more. From $1,000 to $100,000.
Business Working Capital
Keep your operations running smoothly with fast, accessible capital for inventory, payroll, and expansion.
Commercial Real Estate
Acquisition, refinancing, and development loans for commercial properties. Terms up to 25 years.
Equipment Financing
Upgrade your machinery, vehicles, or technology with competitive fixed-rate loans. Preserve working capital.
Invoice Factoring
Unlock cash tied in unpaid invoices. Get paid within 24 hours instead of waiting 60+ days.
Debt Consolidation
Simplify multiple payments into one lower monthly payment. Reduce stress and save on interest.
Transparent. Fair. Human.
We believe lending should be straightforward and honest. No hidden fees, no confusing fine print — just clear terms and a partner who genuinely wants you to succeed.
What our borrowers say
Real experiences from real people.
“SOFI LENDING helped me consolidate my credit card debt into one manageable payment. My credit score improved by 80 points in less than a year.”
— Jessica M.
Phoenix, AZ“The team was responsive and transparent. We secured working capital for our restaurant expansion in just 48 hours. Highly recommend.”
— David R.
Small Business Owner“As a first-time borrower, I was nervous. SOFI explained everything clearly and approved my loan quickly. Couldn't be happier.”
— Amanda T.
First-time BorrowerSmart borrowing facts
Knowledge is power. Here's what every borrower should know.
30% utilization rule
Keeping your credit usage below 30% of your limit can boost your credit score by 50-100 points over time.
Payment history is king
Your payment history accounts for 35% of your credit score. One late payment can stay on your report for 7 years.
Compare APR, not just monthly payment
A lower monthly payment might mean a longer term and more total interest. Always check the Annual Percentage Rate.
Common questions
Straight answers about our lending process.
Ready to move forward?
Speak with a lending specialist — no obligation, just clear guidance.
8825 N 23RD Ave, Phoenix, AZ, 85021-4147, United States