Solid Finance Credit engineers clarity into every dollar. From your first mortgage to a multi-asset retirement portfolio, our advisors build transparent, fiduciary-grade strategies for individuals and businesses across all 50 states.
Since 2022, Solid Finance Credit has served individuals, families, and small businesses across the United States with a single conviction: money decisions made calmly, with the right data, outperform reactive ones. Headquartered in Memphis, Tennessee, our team of certified advisors blends old-school fiduciary duty with the speed and clarity of modern fintech.
We don't sell products. We build plans — measured against your life, your goals, and the markets you actually live in. Every recommendation we make is held to a fiduciary standard, written down, and reviewed with you every quarter.
To make institutional-grade financial strategy accessible to every American household.
Deliver transparent, fiduciary financial guidance across loans, insurance, and investments.
Transparency, long-term thinking, and an unwavering duty to the client first.
Evidence over noise. Patience over hype. Strategy over products. Always in writing.
Three years. Thousands of households. One consistent fiduciary standard across every line of business — measured, never marketed.
Premium service is not a marketing layer — it is operational reality, woven into every meeting, document, and decision. These principles rotate through everything we do. They are the reason clients stay with us for decades.
Six concrete ways the fiduciary principle shows up in your day-to-day experience as a Solid Finance Credit client.
Legally bound to act in your best interest. Always. No hidden commissions, no product quotas, no exceptions.
Flat fees, published online. You see every dollar you pay and every dollar we earn — before you commit.
One named advisor, one named team. No call centers, no rotating reps. Same voice every quarterly review.
Real-time portfolio, loan amortization, and policy documents in one secure portal. Built in-house, encrypted end-to-end.
Loans, insurance, and investments reviewed together — so a mortgage decision never happens in isolation from your retirement plan.
Real humans, stateside, around the clock. Average response under nine minutes for active clients.
A clear, sequenced engagement designed to respect your time and produce a written strategy you actually understand.
30-minute conversation. We listen first — your goals, constraints, and the questions keeping you up at night.
We inventory every loan, policy, account, and tax document. A complete picture, mapped in writing.
A written plan covering debt, insurance, investments, and tax — modeled across multiple market scenarios.
We execute, then meet quarterly. Plans that don't adapt to your life don't count as plans.
Every loan we structure is underwritten against your full financial picture — not just a credit score. Competitive rates across six categories.
Conventional, FHA, VA, and jumbo mortgages. Pre-approvals in 48 hours, closing costs disclosed up front.
Start applicationUndergraduate, graduate, and refinancing options. Income-driven repayment strategies modeled for your career path.
Plan fundingSBA 7(a), equipment financing, lines of credit. Term sheets in five business days for qualified borrowers.
Get fundedNew, used, and refinance options. Pre-arranged financing walks you into the dealership with negotiable cash.
Check ratesUnsecured loans from $5K–$100K. Fixed rates, no prepayment penalties, same-day decisions for existing clients.
Apply nowRefinance, cash-out, and second-mortgage strategies. We model break-even scenarios so you never refinance blindly.
Compare optionsSoft-pull evaluation in under 10 minutes. No commitment, no obligation.
Nine coverage categories, all reviewed annually against your changing balance sheet. Independent carrier access means we shop the market — you decide.
Liability, comprehensive, and collision bundled or standalone. Multi-car and safe-driver discounts applied automatically.
Get quoteACA marketplace, employer group, and supplemental plans. We navigate the entire exchange for you, at no cost.
Compare plansDwelling, contents, and liability coverage. Bundled discounts with auto save clients an average of 14% annually.
Protect homeTerm, whole, and universal life. Coverage laddered to your dependents' ages, mortgage balance, and income replacement.
Build coverageTrip cancellation, medical evacuation, and baggage. Single-trip or annual multi-trip policies for frequent flyers.
Quote tripPMI removal strategies and mortgage protection life policies. We model the break-even on every premium dollar.
Review PMIFinal-expense whole life policies with simplified underwriting. Coverage up to $50,000 with no medical exam.
Plan aheadAccident, illness, and wellness coverage for dogs and cats. Reimbursement model — use any licensed vet nationwide.
Insure petGeneral liability, BOP, E&O, and workers' comp. Custom packages for LLCs, partnerships, and incorporated practices.
Protect businessFree policy audit — we'll review your current coverage and find gaps you didn't know existed.
Evidence-based allocation across four disciplines. Tax-efficient, fee-transparent, and rebalanced on a disciplined schedule — never on emotion.
Actively managed portfolios combining index funds, individual equities, and alternative exposures. Customized to your risk tolerance, time horizon, and tax situation. Quarterly performance reviews with after-tax return reporting.
Open portfolioDirect equity strategies for clients seeking concentrated positions. Fundamental research, position sizing rules, and disciplined exit thresholds. Suitable for portfolios above $250K seeking growth beyond passive index exposure.
Stock strategyPhysical bullion, ETFs, and gold-backed IRAs. Strategic allocation typically 3–8% of total portfolio for inflation hedge and crisis correlation. We handle custody, insurance, and rebalancing logistics end-to-end.
Allocate goldCurated no-load and low-expense mutual fund families. Sector rotation, target-date, and balanced income strategies. We screen on 10-year trailing performance, manager tenure, and after-fee alpha — not marketing copy.
Build fund mixWe'll stress-test your current allocation against five market scenarios and send you a written report.
Beyond loans, insurance, and investments — the strategic disciplines that turn a portfolio into a plan.
Integrated net-worth planning across all asset classes, including private equity and real estate.
Start plan401(k) rollovers, Roth conversions, and withdrawal sequencing designed to outlast you.
Plan retirementDispute workflows, authorized-user strategy, and utilization tuning. Average 60-point lift in six months.
Improve scoreStructured settlement, consolidation, and negotiation. Licensed in 42 states with attorney oversight.
Resolve debtCards matched to your spend profile — cash-back, travel, balance transfer. No annual-fee traps.
Compare cardsPremium World Elite and business Mastercard programs. Concierge, lounge access, and purchase protection.
Apply nowYear-round tax strategy with CPAs on staff. Loss harvesting, QSBS, and entity structuring included.
Reduce taxesTrusts, wills, and beneficiary coordination with partner estate attorneys. Updated with every life event.
Plan estateVehicle service contracts from 12 to 84 months. Direct-to-consumer pricing, no dealership markup.
Get warrantyThree tiers designed for different life stages. No hidden charges, no surprise invoices, cancel anytime with 30 days' notice.
Tell us what you're working toward. A senior advisor will reach out within one business day with a tailored agenda — no sales script, no obligation.
Real reviews from real clients. Verified through Google, Trustpilot, and our internal quarterly satisfaction surveys.
"Solid Finance Credit refinanced our mortgage and lowered our rate by 1.4 points. The advisor walked us through every line of the closing disclosure — twice. We've never felt more respected by a financial firm."
"As a small-business owner I was paying $1,800 a month in insurance premiums with gaps I didn't know about. Solid Finance Credit audited everything, restructured the bundle, and saved me $540 a month with better coverage."
"I moved my IRA to Solid Finance Credit after three years with a big-box broker. The difference is night and day — actual quarterly reviews, written strategy, and someone who picks up the phone. Up 14.2% this year."
"My wife and I are first-time home buyers and honestly terrified. Solid Finance Credit's team held our hand through pre-approval, inspection, and closing. We closed in 28 days. Couldn't recommend them more."
"After my divorce I needed to rebuild my entire financial life — credit, retirement, insurance, the works. Solid Finance Credit built a 24-month plan and stayed with me every step. Credit score up 110 points."
"I run a dental practice and was paying a fortune in taxes. Solid Finance Credit's CPA restructured my entity, set up a defined-benefit plan, and saved me $42K in taxes last year alone. Worth every penny of the fee."
Direct answers, no jargon. If your question isn't here, call (901) 383-9804 and we'll answer it in plain English.
Call, email, or send a message below. Real humans, real responses — typically under one business day.
Headquartered in Memphis, Tennessee. Serving clients across all 50 U.S. states since 2022.