Fair Loans.
Fast Funding.
HCHC was founded on the belief that everyone deserves access to fair, low-APR loans — without hidden fees, endless paperwork, or waiting weeks for an answer. We combine technology with a human touch to get you funded fast.
HCHC is a subsidiary of Innovate Corp (formerly HC2 Holdings)
Our Mission
To provide fair, transparent, and affordable personal and business loans that empower people to reach their goals. We remove the complexity and hidden costs of borrowing and replace them with low APR, fast funding, and genuine support from people who care.
We believe every borrower deserves a lender they can trust, one that offers clear terms, competitive rates, and a real human to talk to. That's why we build relationships, not just loan files.
Our Vision
To become the most trusted lender for personal and business loans nationwide, known for our commitment to fair rates, fast funding, and responsible lending.
We envision a future where getting a loan is simple, transparent, and affordable for everyone — whether you're consolidating debt, growing a business, or handling life's big moments.
Our Impact in Numbers
Real funding for real borrowers
What Drives Us
These principles guide everything we do — from how we set our rates to how we treat every borrower.
Transparency First
Clear rates, honest terms, and no hidden fees, ever. You always know exactly what your loan costs.
Borrower First
Real people, not algorithms. We structure loans that fit your life and your business — not the other way around.
Responsible Lending
We only lend what you can comfortably repay. Your long-term financial health matters more than a quick deal.
Service Excellence
A dedicated loan officer, fast funding, and consistently high borrower satisfaction — that's our standard.
Our Journey
Funding dreams, one milestone at a time
Company Founded
HCHC was established with a mission to make fair, low-APR loans accessible to everyone.
First 1,000 Borrowers Funded
Reached our first major milestone, helping individuals and small businesses get funded fast.
Launched Business Loans
Expanded into business lending with working capital, equipment, and expansion loan products.
$5M+ Funded
Surpassed $5 million in total loans funded with a 94% approval rate and thousands of happy borrowers.
Industry Recognition
Recognized as one of the fastest-growing lenders committed to ethical, transparent borrowing.