- Keep 100% ownership of your minerals
- Receive your regular royalty payments
- No credit score impact or hidden fees
- Use it when you need it—it's flexible
See how much you qualify for
It takes less than five minutes
and there's zero obligation to continue.
Frontlands is a lower-cost alternative
to traditional credit card cash advances
Frontlands is a lower-cost alternative to traditional credit card cash advances
Based on $25,000 advance example.
Actual terms may vary.
Frontlands
Royalty Advance
available immediately
or service fees
your credit score*
Credit Card
Cash Advance
$125,000 credit limit
cash advance fee:$750 - $1,250
your credit score
Want to learn more?
Frontlands was founded
by mineral owners for mineral owners.
"Mineral rights have been in my family for generations. Frontlands exists so owners don't feel forced to sell when they need flexibility."
-Brandon Cotter, Founder and CEO
When plans shift
People use Frontlands for different reasons. Often when something needs to be handled sooner rather than later.
- ▸ Medical bills
- ▸ Property taxes
- ▸ Home repairs
- ▸ Car repairs
- ▸ Family emergency
- ▸ Legal expenses
- ▸ Paying off debt
- ▸ Past-due bills
- ▸ Business expenses
- ▸ Insurance payments
- ▸ Tuition
- ▸ Caregiving needs
Ready to see your offer?
How it works
- 1
Share basic details
We do not ask for any sensitive information like your SSN or report to consumer credit bureaus.
- 2
Review your offer
Our valuation experts will assess the value of your minerals and provide a credit limit based on that value. We typically offer an up to 50% "loan to value" ratio.
- 3
Decide what to do next
Apply, ask questions, pause, or walk away. It's completely up to you.
Why owners choose Frontlands
→ Clear valuation
Get an expert valuation based on market and production data—not what a buyer wants to pay.
→ No obligation to move forward
No hidden fees, credit impact or expectation to accept your offer.
→ You keep ownership
Access cash without selling your mineral rights.
FAQ
Is this a loan?
Not exactly. Frontlands allows you to advance money from your royalties on the minerals you own. It's a flexible credit line (similar to a credit card) so you choose when—and how much—to draw, up to your approved limit. You only pay interest on the amount you actually use.
Do I have to sell my mineral rights?
No. You keep full ownership of your mineral rights as long as payments are made on time. Frontlands will not ask you to sell as part of using your account. Please make sure you do not borrow beyond what you can repay—as with any lending product, if you are unable to pay, then your collateral is at risk.
Will it hurt my credit score?
No. There's no hard credit pull to explore your offer, and we don't report to consumer credit bureaus.
How much can I access?
Your exact credit limit is typically 40-50% of the value of your mineral rights. We'll share your number clearly before you decide.
How quickly can I receive funds?
Most customers receive funds within 1-3 business days after accepting an offer.
¹Average credit card cash advance APR as reported by Experian, based on independent editorial research. *Frontlands does not report to consumer credit bureaus.