Income Share Agreements

Your payments are based on income, not interest.

$1,500 – $12,500

Funding Amounts

2 – 4 Years


Flexible Payments

Always Less Than 10% of Your Income

What Are Income Share Agreements?

Income Share Agreements (ISAs) offer flexible payments that change as your income changes. If your income reduces, your payment could go all the way to zero. If your income increases, your payment will too, but will never exceed 10%. Plus, you get the flexibility to choose the payment rate that works best with your budget.

How Does Align Work?

Align is a unique funding solution that invests in the person and changes when your situation changes. Whether it's a home repair, debt consolidation or a new transmission, we have you covered.


Provide us with some basic information, and we’ll determine if we can make a preliminary offer.


We work together to figure out the right amount for your individual situation.


Get funded as soon as tomorrow if your contract is approved and signed by 5:30 p.m. CT today.*

FAQs About ISAs

Depending on your state and financial situation, Align offers Income Share Agreements from $1,500 to $12,500.

With an ISA, you receive money in exchange for a percentage of your future income for a set period of time. Payments are contingent on your income, meaning payments are reduced if your income reduces. If you become unemployed, you may owe nothing during your unemployment and the term of your contract may not get extended.

Your payment is aligned with a percentage of your income and is never more than 10%. We’ll provide you with a few options, and you can choose the rate that works best for your budget. If you ever want to terminate the contract early, your contract lays out the cancelation cost so there are no hidden fees.

A variety of factors will be considered when you apply for an Income Share Agreement with Align including, but not limited to: income, financial situation, occupation, location, etc.

Ready to get started?

*Applications approved by 5:30 PM CT M-F are generally funded by the next business day. Applications approved other times are generally funded in two business days.