Once your property is on Fabrica, you can borrow against it without waiting on traditional processes. There is no application, no negotiation, and no lender to call you back. The loan comes from a lending pool, and the terms are shown on screen before you commit to anything.
Before you start
A loan offer appears on your property page when three things are true:
The lending pool has funds available.
Your property’s provenance score is high enough (title checks and fee standing must pass).
Your property taxes are verifiably current. If the tax status is unknown, borrowing is blocked too.
If your loan amount looks low or shows $0, see “Why is my loan amount low or zero?” in this collection.
Taking the loan
Open your property page and find the Instant Liquidity card.
Use the Amount and Duration sliders to pick how much you want to borrow and for how long. The durations available on the Duration slider are the terms the lending pool currently offers; they can change as the pool changes.
Review the terms shown: APR: and Final Payment:. This is exactly what you would owe. There is no separate Fabrica origination fee. Interest is set by the lending pool and shown before you confirm.
Note the line “The property will be held as collateral.” More on what that means below.
Click Borrow and confirm.
When it completes you will see Loan Funded! and the money arrives in your account as stablecoins (digital dollars that always equal $1). Use Cash Out to withdraw it to your bank account.
One thing to know: your first loan (or first sale) is when the onboarding fee you authorized while adding the property is collected. It is a one-time fee, and it was never charged before because you had not used the property yet.
What “held as collateral” means
While the loan is open, your property token sits with the lending pool instead of in your account. This is custody only. You are still the beneficial owner of the property, you keep your rights to use and enjoy the land, and you get the token back automatically when you pay off the loan. You remain responsible for property taxes during the loan.
If you get stuck, open the chat bubble in the corner and we’ll help.