Mission Statement:

Our mission is to offer compassion and bring comfort to those affected by natural disasters by providing immediate and long-term financial solutions.

 

Funding during Large-Scale Disasters

When a natural disaster like the California wildfires strikes, victims often find themselves in a precarious financial situation, caught between immediate needs and delayed assistance. The aftermath of such catastrophes creates an urgent demand for short-term financing to bridge the gap until insurance payouts or government aid arrives.In the wake of a disaster, affected individuals and families face immediate expenses. These may include temporary housing, food, clothing, and basic necessities. For those who've lost their homes or businesses, the costs can be overwhelming. While insurance policies and government programs are designed to provide relief, the reality is that this assistance often takes time to materialize.

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Wait Times for Insurance Claims

Insurance claims processing can be frustratingly slow during large-scale disasters. While insurance companies strive to respond quickly, the sheer volume of claims can lead to significant delays:

• Initial response and assessment: 2-4 weeks

• Claim processing and approval: 30-60 days

• Payment disbursement: Additional 2-4 weeks

In total, it's not uncommon for insurance payouts to take 2-4 months or longer, especially in widespread disaster scenarios.

 

Wait Times for Government Assistance

Government aid, while crucial, can also be subject to lengthy wait times:

• FEMA individual assistance: 2-3 weeks for initial aid, but full support can take months

• Small Business Administration (SBA) disaster loans: 2-3 weeks for initial approval, 5-7 days for fund disbursement after final approval

However, it's important to note that larger-scale federal assistance programs, such as those involving Community Development Block Grant Disaster Recovery (CDBG-DR) funds, can take significantly longer. In some cases, communities have waited years before receiving long-term recovery funds.

 

The Need for Short-Term Financing

Given these potential delays, short-term financing becomes a critical lifeline for disaster victims. Options may include:

1. Unsecured Funding in 15 Days or Less (Click button in upper right hand corner of this page)

2. Credit card advances (though often with high interest rates)

3. Home equity lines of credit (for those whose properties weren't destroyed)

4. Borrowing from 401(k) plans (up to $50,000 or 50% of the vested balance, whichever is less)

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​Our Philosophy

Being the benchmark of private lenders is not something we take lightly.  To provide exemplary service, a white glove approach has been instilled to understand your needs, address your concerns, and tailor funding to your unique situation.  By having this dedicated ear, we take pride in presenting you with several lending options that reflect extremely competitive rates and terms.  You are then empowered to make the choice that best fits your needs.

 

We Give Back

Engaging with us will result in a portion of the proceeds being donated to no-kill animal shelters in the affected areas.   This will provide safety and well being to those Fur Babies displaced in the wake of these tragic events because together, we can make a difference, one paw at a time. 

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