✽ Serving Ontario
Choose Us for Insurance Payout Loans
Approvals on Equity
Bad credit or missed payments are not a problem.
Fast Funding
Many arrears cases funded within 24–48 hours.
Don't Wait Months
Pay urgent expenses while the insurer processes your claim.
Why Families Need Insurance Payout Loans
You don’t need income, credit, or final title transfer — we lend strictly based on property equity.
✔ Fire or flood damage
✔ Temporary housing
✔ Legal fees
✔ Contractors
✔ Mortgage or tax arrears
✔ Debris cleanup
✔ Expenses during settlement
✔ Stopping Power of Sale
✔ Emergency cash flow
Home Equity Lines
Flexible Access to Your Home’s Equity Anytime
First Mortgages
Fast, Flexible Financing When Banks Say No
Second Mortgages
Tap Into Your Equity for Cash Flow for Debt Relief.
Bridge Loans
Bridge Your Debt Before Selling Your Home.
Who Qualifies?
Designed for Borrowers Who Don’t Fit Traditional Bank Requirements.
Own a home in Ontario
Have 20–25% equity
Property damaged by fire, flood, or insured loss
Bad credit or low score
Waiting on an insurance payout
Need fast funds for repairs, temporary housing, or rebuilding
How it works?
Apply Online
Submit your basic details — no documents needed upfront.
Receive Your Approval
We assess your equity and property value, not your credit score.
Get Funded Fast
Funds are released once documents/appraisal are completed.
Trusted by Ontario Families Who Need Fast, Flexible Insurance Payout Loan Solutions.
Lendworth helps you access estate funds quickly and move forward.
Top Insurance Payout Loan questions answered
Access estate funds quickly — fast probate loan approval.
An Insurance Payout Loan lets you access your home equity immediately while you wait for your insurance company to release funds. Instead of waiting months for an adjuster, approvals, and claim processing, Lendworth lends directly against the value of your property, not the timing of the insurance cheque. Once the insurance payout is received, the loan is typically paid off in full, allowing you to rebuild or repair without delays.
Insurance Payout Loan funds can be used for anything related to your recovery, including:
Repairs, restoration, and contractor work
Temporary housing or relocation
Cleanup and debris removal
Legal or adjuster fees
Mortgage, tax, or utility arrears
Rebuilding and emergency repairs
Replacing damaged belongings
Covering cash-flow needs while waiting on insurance
If your insurance company is still assessing your claim or delaying payment, this loan ensures you can keep moving forward.
Most Insurance Payout Loan applications are approved same day, and urgent situations can fund within 24–48 hours. Because approvals are based on equity, not income or credit scores, the process is fast, simple, and designed for homeowners facing emergencies or insurance delays.
More Loan Products We Offer
Explore more of our loan options below and find the one that best fits your needs.
Mortgage Solutions We Offer
We have a solution built around your home equity and your goals.
Lendworth approves Ontario homeowners quickly based on equity — not complicated bank rules.
Ready for Fast, Flexible Financing?