Frequently Asked Questions

  • What is a Sansbank cash advance?

    A Sansbank cash advance is an opportunity to receive instant growth capital. After inputting a few property details, Sansbank’s proprietary technology predicts property growth and profitability. We offer a cash advance of up to 50% of predicted profits - free to use however you’d like.

  • How do I get approved for a cash advance?

    Submit property data into the Sansbank simulator for a quote. If you’d like instant cash, then you’ll submit existing documents while we approve your details for funding.

  • Will this affect my credit score?

    No, we do not conduct credit checks and focus on your current cash flow.

  • What documents do I need to apply for the cash advance?

    You simply have to submit standing documents; this may include data such as P&L, expenses, proof of ownership, proof of insurance, and lease agreements.

  • What if I need a smaller cash advance than the terms offered?

    The terms offered are simply max projections; the borrower can opt for a smaller cash advance amount.

  • What are the fees?

    Fees range from 1 to 10 points as a single flat charge that combines points, origination fees, and broker fees; fees vary based on the advance size.

  • Can I pay off the advance early?

    Yes, there are no prepayment fees associated with early payments but the borrower will need to cover both principal and interest for the full term.

  • What can I do with the cash advance?

    You can use the advance however you see fit. Often they are used for renovations, improvements, other property investments, and other businesses.

  • Will this conflict with my original lender?

    No, once we identify your original lender, we will have a waiver of agreement to ensure there are no conflicts and that their position remains priority during repayments.

  • What is the minimum investment of shares?

    The minimum is a single (1) token; all shares are priced at $100 USD.

  • How much can I invest?

    As an unaccredited investor, you are able to invest up to 10% of your net worth per year. As a rule of thumb: Accredited investors have no limits.

    If either your annual income or your net worth is less than $107,000, then during any 12-month period, you can invest up to the greater of either $2,200 or 5% of the lesser of your annual income or net worth.

    If both your annual income and your net worth are equal to or more than $107,000, then during any 12-month period, you can invest up to 10% of annual income or net worth, whichever is lesser, but not to exceed $107,000. (Source:

  • How do I receive my tokens?

    Download the Sansbank mobile app to manage your account, shares, payments, and much more.

  • How do I sell my shares?

    Shares can be sold directly in the app by choosing to sell it directly to other Sansbank holders or through an integrated trading platform.

  • Can I pay in cryptocurrencies?

    Yes, payments made in cryptocurrencies will be converted into stablecoins to buy shares.

  • How will I be taxed?

    Interest will be taxed as income. Sansbank sends K1 documents that should be shared with your accountant for filing and tax support.

  • Am I getting paid from one cash advance?

    No, all cash advances with the same interest rate have their monthly repayments pooled for payment assurance.

  • What kind of properties receive the cash advance?

    We primarily loan to commercial properties with at least five units that pass our approval process.

  • How does Sanbank pick which properties receive the cash advance?

    Sansbank only provides cash advances to profitable, commercial real estate properties that have passed our modeling benchmarks. We also physically inspect properties and ensure insurance for catastrophic events.

  • Can I use retirement accounts to invest?

    Yes, but this is a manual process that may incur costs with your brokerage.

  • Am I investing in cryptocurrencies?

    No, you are investing in a loan to a profitable piece of commercial real estate. Sansbank uses stablecoins to process payments but we only use the most credible and safely backed stablecoins. This safeguards our investors from volatility found in other investment markets.