Figure

Founded in 2018, we use blockchain technology to transform capital markets within the financial services industry. Our lending arm, Figure Lending LLC, provides Home Equity Lines of Credit (HELOCs). We’ve originated over $20 billion in equity for more than 253,000 households across 49 states and Washington, DC, making us the top non-bank HELOC lender in the U.S.

We offer several financial products and services:

• Figure HELOC: Get approved in as little as 5 minutes and funded in 5 days. Borrow up to $750,000.
• Cash-Out Refinance: Consolidate personal loans, credit cards, and mortgages into one payment using a Figure HELOC.
• DSCR Refinance: For real estate investors, approved based on rental income.
• Crypto-Backed Loan: Borrow against crypto assets like BTC, ETH, and SOL.
• Democratized Prime (via Figure Markets): Lend cash or crypto to earn yield against real-world assets or by supporting margin traders.
• Flex Rate (via Democratized Prime): Borrow up to 75% Loan-To-Value (LTV) against a crypto portfolio, with no term limits or credit checks.

We use blockchain technology to make financial processes more efficient, leading to faster decisions, lower costs, and more transparent access by cutting out intermediaries. We also partner with AI providers like OpenAI’s GPT and Google Gemini to speed up lending, aiming for approvals in under 5 minutes and lower processing costs.

We’ve built a network of over 250 B2B partners, including banks, credit unions, fintechs, and home improvement companies. We were the first to sell a Crypto-Backed Loan pool to Janus Henderson and launched the first SEC-approved interest-bearing stablecoin. We hold 75% market share in real-world asset tokenization and have AAA S&P- and Moody’s-rated HELOC Securitizations. Our offices are in NYC, San Francisco, Reno, Charlotte, Helena, and St. Louis.

Our mission is to transform financial services, bringing speed, efficiency, and savings to consumers. We aim to be the leading vertically integrated capital markets trading platform for consumer assets and beyond. We look for individuals who are passionate about accelerating innovation, ensuring customer success, and leading with integrity and ethics.

We have 501-1000 employees. We aim to create a culture and environment where our employees can do their best work. We want to inspire appreciation and collaboration on challenges that matter to our customers. We strive to be a workplace where everyone can succeed, grow, and maintain their well-being.

Our work environment is open and inclusive, supporting innovation, product development, lasting partnerships, and exceptional customer experiences. Our employees share a collective passion and motivation, with opportunities for entrepreneurial initiative and ownership. We foster an inclusive culture where colleagues are invested in each other’s success, empowering everyone to make an impact. We are an Equal Opportunity Employer, committed to mutual respect and making employment decisions based on qualifications, merit, and business need. We support a hybrid work setting and offer a flexible remote work environment.

We offer a range of employee benefits and perks:

• Comprehensive health, vision, and dental insurance, with 100% employer-paid premiums for employees and their dependents on certain plans.
• Company-sponsored Health Savings Account (HSA), Flexible Spending Account (FSA), Dependent Care, 401k, and commuter benefits.
• Employer-funded life and disability insurance coverage.
• 11 observed holidays and a Paid Time Off (PTO) plan.
• Up to 12 weeks of paid family leave.
• Continuing education reimbursement.
• Equity in the form of Restricted Stock Units (RSUs).
• Flexible remote work environment.
• California Residents: A Privacy Notice is available upon request.