What Banks Do Inheritance Loans?

This page will eventually explain whether banks offer inheritance loans and why most heirs turn to “inheritance loans” from inheritance funding companies instead.

Traditional banks rarely provide loans based on future inheritance because probate assets are not immediately accessible, and banks typically require collateral, income verification, and strong credit.

The full guide will outline the limitations of bank lending in probate situations. Banks generally cannot secure a loan against estate assets because those assets are controlled by the court and the executor until probate closes. This makes inheritance loans impractical for most financial institutions, even when the estate is large.

Another major focus will be the advantages of inheritance funding. Unlike bank loans, inheritance advances are non-recourse and do not require credit checks, income verification, or personal repayment. Funding companies evaluate the estate—not the heir—making the process faster, simpler, and more accessible.

While the full guide is being completed, you can explore our inheritance advances, review probate advance loans, or visit our inheritance funding knowledge base. To see whether your inheritance qualifies for funding, you can begin a confidential request on our apply page.