The Short Answer
Rise Up Lending is a licensed direct lender offering personal loans, business loans, debt consolidation, home equity loans, education financing, and emergency loans to borrowers across 48 U.S. states. We are not a broker or a marketplace — we fund loans directly.
Founded With a Mission
In 2014, co-founders Elena Vasquez and David Harmon watched good people get turned down by banks that cared only about credit scores. A teacher with a 591 FICO. A veteran rebuilding after deployment. A single parent one bill away from financial collapse.
Rise Up Lending was built to evaluate the whole picture: income, employment stability, loan purpose, and credit history together — not a single number in isolation.
What We Offer
- ✓Personal Loans: $200–$5,000 at 8.9%–35.99% APR
- ✓Business Loans: $5,000–$500,000 revenue-based
- ✓Debt Consolidation: Combine cards into one lower payment
- ✓Home Equity: 6.5%+ APR, up to 85% LTV
- ✓Education Loans: No FAFSA required
- ✓Emergency Loans: Same-day funding from $500
How the Process Works
1. Pre-qualify in 5 minutes (soft pull — no score impact). 2. Review your personalized rate offer. 3. Complete full application with documents. 4. Approval in minutes to hours. 5. Funds deposited next business day.
