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Flourish Lending clients

Introducing the premier mortgage lending experience

Flourish Lending◊ connects your clients to exclusive, market-leading rates on mortgages and refinances.

Coming Spring 2026

Flourish Lending clients

Flourish Lending provides independent advisors and their clients with a best-in-class residential financing solution.

Drive firm growth

Drive firm growth

Attract high-value prospects and differentiate your firm with a built-for-RIAs lending experience that enhances advice and accelerates conversion.

Defend assets

Defend assets

Protect assets from wirehouse and private-bank relationship pricing with a premium lending experience that turns advice into action when it matters most.

Add client value

Add client value

Give clients and prospects access to market-leading rates and seamless loan execution, deepening relationships and supporting better financial outcomes.

Get to know Flourish Lending

Flourish Lending timeline

We're evolving to support both deposit and lending solutions, helping independent RIAs deepen relationships and serve more of their clients' financial needs. In 2025, your clients withdrew nearly $800M from Flourish Cash† for real estate transactions, signaling a clear opportunity to support clients with lending.

The next few weeks are the ideal time to learn about Flourish Lending. Review the resources on this page, join a demo, reach out to your Flourish Representative, or email lending@flourish.com to learn more.

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lending-timeline-mobile

Flourish Lending timeline

We're evolving to support both deposit and lending solutions, helping independent RIAs deepen relationships and serve more of their clients' financial needs. In 2025, your clients withdrew nearly $800M from Flourish Cash† for real estate transactions, signaling a clear opportunity to support clients with lending.

The next few weeks are the ideal time to learn about Flourish Lending. Review the resources on this page, join a demo, reach out to your Flourish Representative, or email lending@flourish.com to learn more.

lending-timeline-mobile

Added value

  • Exclusive rates: Give clients and their loved ones access to market-leading rates on mortgages and refinances

  • RIA-first solution: Advisors can send quotes, request loans, prefill applications, monitor progress, and upload documents on behalf of clients

  • Refinance monitoring: Receive alerts when there are opportunities for clients to save money by refinancing

  • Premium, white-glove service: A private-bank-level experience for you and your clients, with dedicated loan officers by your side from start to finish

  • On-demand access: Digital-first experience allows clients to compare rates, generate prequalification letters, and start applications 24/7

  • High-limit lending: Up to $10M for primary and investment properties‡

Clients viewing a refinance opportunity on a mobile phone
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Mortgage licensing

Flourish Lending is a digital-first mortgage broker, partnering with 15+ leading lenders to deliver exceptional rates to your clients. 

We anticipate that Flourish Lending will be licensed in approximately 25+ states by our mid-March launch, with a goal of 100% coverage in all 50 states within 12 months. 

View availability by state – with more coming soon.

Advisor resources

Client factsheet

An overview of Flourish Lending for clients.

Download

Advisor factsheet

An overview of Flourish Lending for advisors.

Download
Flourish acquires SoraFinance

Why we added a lending solution

Flourish Lending fills a critical void in the RIA toolkit.

Read
Flourish CEO on 2026 plans

Flourish CEO on 2026 plans

How Flourish will help advisors thrive in a new era of wealth management.

Read
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An advisor initiated a $520K refinance for a 
client in California who had a bank quote of 
6.07% APR (1 point), but was able to secure an 
offer of 5.53% APR (1 point) on a 30-year fixed. Impressed with the outcome, the advisor 
secured a $2.4M preapproval for another 
client in California.±
An advisor received a refi-monitoring alert and helped a Colorado client decrease a $617K mortgage on a 30-year fixed from 7.25% APR to 5.625% APR, which was well below the 6.25% APR national average that day. As a result, the client's monthly payments were reduced by $750.±
close-quote-white-1

Get to know Flourish Lending

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Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Annuities refers to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC (doing business in California under the name Flourish Digital Insurance Agency), and, where applicable, Flourish Financial LLC. Flourish Lending is offered by SoraFinance, Inc. (d/b/a Flourish Lending), a licensed mortgage broker (NMLS #2355841). SoraFinance, Inc. is not a lender. To verify SoraFinance, Inc., visit NMLS Consumer Access. The Flourish entities mentioned above are all wholly-owned subsidiaries of Flourish Holding Company LLC. Please review the Legal section of our website for more information and account terms. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2026 Flourish. All rights reserved.

◊ Flourish Lending is a suite of products and services offered through SoraFinance, Inc., a licensed mortgage broker (NMLS #2355841) doing business as Flourish Lending. SoraFinance, Inc. is not a lender or a creditor. Loans are made solely by third-party providers. Flourish Lending is not available in all states; view the list of states in which Flourish Lending is available. Equal Housing Opportunity. To verify SoraFinance, Inc., visit NMLS Consumer Access. Registered Office: 1007 General Kennedy Avenue, Suite 3, San Francisco, CA 94129. 

† A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest.

‡ This is not a commitment to lend. Mortgage loan availability is subject to limitations including borrower creditworthiness, income and asset verification, maximum loan amounts, minimum down payment, property type restriction(s), or other variables that effect your ability to secure a mortgage loan. Points and other fees may apply and may increase the availability and effective rate of a loan. 

± This feedback may not be representative of the experience of other customers, and is not a guarantee of future performance or success.