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Who you're dealing with
In an industry where a lot of companies are vague about what they actually are, here's the plain version.
What we are
Two roles, stated plainly
Golden Rise Capital is a d/b/a of Golden Rise Capital, LLC, a licensed lender under NMLS #2759539. When you take a consolidation loan from us, we are the lender.
For debt relief programs, we administer the program directly — our own team handles creditor negotiation and settlement. There is no separate outside company you’re handed off to; the entity assessing your situation is the same one named on every agreement.
You should always know which company you're dealing with and what it's licensed to do. We put it on every agreement.
How we're paid
On the lending side, we earn interest over the life of the loan. On the debt relief side, we earn program fees directly when a client enrolls and completes settlements.
That second arrangement creates an obvious conflict — the program pays more than the loan does. We handle it by putting the recommendation in writing with the reasoning attached, so a recommendation that doesn't match your numbers is visible on its face. If your profile supports a consolidation loan, we'll say so.
Where we operate
Headquartered in Irvine, California. Consumer lending licensed in Utah. Debt relief programs available in Utah. Neither product is offered in every state.
See your numbers clearly
Not sure which path fits?
Two minutes, no credit impact, and you'll see both options side by side before you give us your name.
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