INDEPENDENT FINANCING COMPARISON & REFERRAL MARKETPLACE
Find the Right Financing Path—Without Calling Lender After Lender
Shop Rates helps consumers, real estate investors, real estate agents, and business owners explore mortgage, investment-property, and business-funding options from independent providers.
Not a Lender
Shop Rates does not make credit decisions, underwrite applications, or issue loan approvals.
Independent Providers
Users may be connected with independent lending professionals or funding companies based on the information provided.
Educational Marketplace
Content is informational and does not constitute financial, legal, tax, or lending advice.
No Guaranteed Approval
Rates, fees, terms, and availability depend on provider review and applicant qualifications.
Lending Options We Help You Explore
Whether you are buying a home, investing in rental property, seeking short-term real estate capital, or comparing business-funding options, Shop Rates helps organize the available paths so you can take the next step with greater clarity.
Traditional Mortgage Loans
Explore home purchase, refinance, FHA, VA, jumbo, bank-statement, and other residential mortgage options available through independent providers.
Explore Mortgage Options →DSCR Loans
Learn how debt-service-coverage-ratio loans may help real estate investors qualify using rental-property income.
Explore DSCR Loans →Hard Money and Bridge Loans
Explore short-term real estate financing for fix-and-flip projects, bridge transactions, investment acquisitions, and time-sensitive opportunities.
Explore Hard Money Loans →Business Funding
Review working capital, equipment financing, invoice financing, term loans, lines of credit, and other commercial funding categories.
Explore Business Funding →Merchant Cash Advance Information
Learn how merchant cash advances work, including factor rates, repayment structures, daily or weekly remittances, stacking risks, and possible alternatives.
Learn About MCA Funding →Real Estate Agent Resources
Help buyers and property investors understand financing options, preparation steps, and common scenarios before writing an offer.
View Agent Resources →How Shop Rates Works
Tell Us What You Need
Choose the type of financing you are researching and provide basic information about your goals.
Explore Relevant Paths
Shop Rates organizes potentially relevant financing categories, educational resources, and independent provider options.
Connect With a Provider
If appropriate, your information may be shared with an independent provider that can discuss its available products and qualification requirements.
Why Start With Shop Rates?
Financing products are not interchangeable. Shop Rates helps users understand the major differences before they decide whether to speak with an independent provider.
Explore Multiple Categories
Review potential financing paths for homes, investment properties, and businesses in one organized resource.
Understand What Providers Review
Learn about common factors such as credit, property income, collateral, loan purpose, business revenue, and timing.
Avoid Mismatched Inquiries
Start with the financing category that more closely fits your intended use and circumstances.
Control the Next Step
Choose whether to continue to a provider request after reviewing the available educational information.
Compare Common Financing Categories
Scroll sideways to see the full table.
| Financing Type | Common Use | Typical Audience | Important Consideration |
|---|---|---|---|
| Traditional Mortgage | Home purchase or refinance | Consumers | Terms depend on the provider and borrower profile |
| DSCR Loan | Rental-property financing | Property investors | Property cash flow may be an important factor |
| Hard Money Loan | Short-term real estate capital | Property investors | Typically involves higher costs and shorter terms |
| Business Funding | Working capital or business growth | Business owners | Product structures and repayment terms vary |
| Merchant Cash Advance | Purchase of future business receivables | Businesses | Not a traditional loan and may involve substantial repayment risk |
Lending Education Center
- Mortgage Guides
- DSCR Loan Guides
- Hard Money Loan Guides
- Business Funding Guides
- Merchant Cash Advance Guides
- Real Estate Agent Resources
- Rate Shopping Guides
- Loan Calculators
Frequently Asked Questions
Is ShopRates.com a lender?
Can Shop Rates approve my loan?
What happens after I submit my information?
Are rates or terms guaranteed?
Does Shop Rates charge consumers?
Not Sure Which Financing Category Fits?
Answer a few questions about your goal and explore the financing paths that may be relevant to your situation.