Trust matters during market downturns, and Democratized Prime was built to withstand them. • Borrowers of loans included in pools on Democratized Prime are well-vetted. The YLDS-HELOC pool currently has loans that sit with an average of a 745 credit score and a 60% debt-to-income ratio. This provides stability to the ecosystem, even during a financial crisis. • Quality financing offered through Democratized Prime is institutional-grade, with a structure that is similar to those used for major banks like Goldman Sachs and Texas Capital Bank. • Instead of lending against real estate with no liquidity, regular securitization of HELOCs to institutions ensures collateral in the HELOC+ Pool is cycled out every ~42 days. Secure lending is our top priority, no matter the market conditions.

Connect with borrowers on Democratized Prime: