BIG GOALS BECOME SMALLER PROBLEMS WHEN YOU PLAN FOR THEM.
Your Bills Build Your Loan Equity™ — With At Least 5 Planned Loans Along the Way.
Choose the goal first. Then enter the household bills and expenses you already pay each month. MiddleBanking™ 1.0 turns that monthly bill-pay activity into growing Planned Loan Equity based on your household budget — not your personal credit score.
The Eye-Opener uses the expenses you actually pay each month to calculate your long-term Planned Loan Equity and the scheduled amounts available along the way.
Choose your goal first.
A vehicle. A wedding. Tuition. A down payment. Home improvements. A business. Or simply being ready for the unexpected. Planning becomes easier when the money already has a purpose.
BUILD TOWARD THE GOAL. ACCESS MORE AS TIME PASSES.
The $1,500 Planned Loan at 90 days is our gift and does not reduce your Loan Equity. After that, your calculated Loan Equity is divided into five scheduled Planned Loan amounts. Use them along the way, or leave them untouched and keep building toward your full 100-month total.
Enter what you really spend each month.
PlannedLender uses your household expense profile to calculate the Loan Equity you can build and the Planned Loan amounts available at your scheduled access points.
This total is the key number used to calculate your Planned Loan Equity and scheduled access amounts.
Only include expenses you actually pay. Do not inflate, duplicate or invent expenses.
Your bills build it. Your schedule shows when you can use it.
Enter your actual monthly spending. Your total updates instantly and calculates the five Planned Loan amounts that make up your long-term Loan Equity — plus your separate $1,500 gift at 90 days.
The $1,500 90-day Planned Loan is a gift and is not deducted from your calculated Loan Equity. The Year 1, Year 3, Year 5, Year 7 and 100-month Planned Loan amounts shown above add up to your total Planned Loan Equity. If you do not use an earlier amount, it remains part of the Loan Equity you have built and can continue toward your larger goal. Continued access requires continued use of MiddleBanking™ 1.0 and applicable program terms.
From planning to application.
See your Loan Equity outlook
Use your real monthly expenses to calculate your long-term Loan Equity and the five Planned Loan amounts that make up that total.
Choose whether to move forward
Review what your household can build toward, the amounts available along the way, and whether the PlannedLender plan fits your goal.
Start the application
If you continue, you will enter ReCapture Financial's application intake process for review and approval.
Turn your plan into an application.
If your Planned Loan Equity outlook makes sense for your household and your goal, continue to the ReCapture Financial intake and apply.
Apply Now →Amount Disclosure: The $160,000 figure is an illustrative Planned Loan Equity total based on approximately $4,000 in monthly household expenses. Your actual Loan Equity is calculated from the monthly expenses you enter in the Eye-Opener and is divided into five scheduled Planned Loan amounts at Year 1, Year 3, Year 5, Year 7 and 100 Months. Households with higher monthly expenses can build higher Planned Loan Equity. The $1,500 Planned Loan at 90 days is a PlannedLender gift and does not reduce your calculated Loan Equity. If you use an earlier scheduled Planned Loan, that amount is part of your total Loan Equity. If you leave it unused, it remains available as your Loan Equity continues building toward the full 100-month total.