A JD Power satisfaction survey found that consumers are more likely to trust and work with lenders who offer timely, tailored support, with service being one of the biggest drivers of loyalty.

Good customer service is often undervalued in the lending process, which can leave borrowers hesitant and unsure about securing financing. BHG Financial aims to change that with its loan concierge model.

If you’re considering financing, it’s essential to choose a lender that offers streamlined service, so you can borrow with confidence. BHG has spent the last two decades refining its one-of-a-kind hybrid loan concierge service model, which gives you the tools you need to make smart choices with your hard-earned money.

Understanding the loan concierge model

Definition and core purpose

A concierge loan service is a white-glove lending experience that combines the efficiency of digital platforms with the expertise of human loan experts. This hybrid model caters to borrowers who prefer a blend of online convenience and personalized human interaction.

At BHG, we’ve designed our process to include digital tools that empower you to research financing options on your own, including user-friendly calculators and streamlined online applications. Then, when you’re ready to dive deeper, BHG will match you with a dedicated loan expert who will guide you through each step.

Who it’s designed for

Our loan concierge service is particularly well-suited for high-income professionals who have limited time and would benefit from one less to-do on their list. We recognize that your schedules are demanding, and managing financial matters needs to be as seamless and efficient as possible.

With BHG Financial, you can begin the process by applying online at your convenience. Our application process requires minimal paperwork, and in most cases, we may provide approval decisions within 24 hours.¹

The BHG loan concierge experience

Personalized service from start to finish

Our concierge loan experience is uniquely personal. While you can initiate the process easily online, you’ll move through financing and funding alongside a dedicated loan expert who will discuss your financing needs and tailor the experience to your goals.

During this time, they’ll answer questions, clarify loan terms, and serve as your primary point of contact throughout the process, ensuring you feel confident in your decision.

FYI: Our high-touch service has earned us more than 3,600 5-star reviews on Trustpilot.

What sets BHG apart

We’ve taken thoughtful steps to design a loan service model that stands out among the rest.

Check your eligibility for loan offers and estimate your payment in seconds. See what financing options are available without filling out extensive paperwork or providing vast amounts of financial information.
No impact on your credit score for initial review.² Our initial review process does not affect your credit score,² allowing you to explore options with confidence.
Tailored loan options based on professional and financial goals. Every financial situation is unique. That’s why we offer customized loan options tailored to your specific financial objectives.
High approval rates for qualified professionals. Prime borrowers have an exclusive opportunity to access financing because BHG considers your income and earning potential in addition to your credit score.
A personal relationship with a dedicated loan expert. You’ll work one-on-one with an experienced loan expert who will guide you through the process step-by-step. And if you have any questions, you’ll be able to reach out to them directly.

“BHG is not just about funding—they are about building [more prosperous] futures. They took what could have been a stressful process and turned it into an incredibly positive and empowering experience. If you are looking for a financial partner who genuinely cares, delivers outstanding service, and treats you like more than just a number, I highly recommend BHG without hesitation.”

— Hunny Yang

Why a concierge approach works best for high-income professionals

Efficiency without sacrificing personalization

There’s no trade-off between efficiency and personalized service with BHG. Traditional banks have knowledgeable representatives but can be slower to fund, with strict requirements and lengthy processes. Online lenders offer speed, but no personalization.

When you work with BHG, you unlock flexible loan options you may not find elsewhere. With loan amounts up to $250,000³ and repayment terms up to 10 years^3,4, there’s a solution for every need.

Experts for all financing needs

Our team understands the complexities higher-earning professionals face. BHG provides the financial resources you need to manage them effectively.

For example, your loan expert can help you understand the implications of a large loan amount and discuss how a personal loan might align with your broader financial goals.

Time-saving and stress-reducing

Your time is valuable. The BHG loan concierge service is designed to save you time and reduce the stress often associated with securing financing. You won’t have to spend countless hours researching terms or filling out extensive paperwork on your own.

Instead, your BHG loan expert will handle many of the details for you, allowing you to focus on your professional and personal life.

Comparing concierge lending to other methods

Traditional bank loans

Traditional banks have established reputations and the added benefit of in-person service. However, they may have lengthier application processes and, in some cases, more rigid application requirements.

If you don’t already have an established relationship with a bank, you may not get fast, one-on-one service, which can be frustrating for business professionals who need timely solutions.

Online-only lenders

Online lenders typically leverage their speed and convenience when catering to borrowers, with fully digital application processes. While this can appeal to you if you need funding fast, it tends to lack the personalized service and real-time expertise you might want when dealing with significant debt or complex financial situations.

Few online-only lenders provide a human loan expert to discuss your specific needs in detail—leaving you alone to identify the best solutions for your situation.

BHG’s hybrid approach gives borrowers the best of both worlds, combining the speed and convenience of an online platform with the personalized support and expert guidance of a loan expert.

“Personalized service and understanding our customers' unique needs are at the forefront of our operations,” says Zach Raus, president of loan sales and services at BHG Financial. “We take a consultative approach to our process to ensure we're tailoring our loan solutions in a way that aligns with our customers' current circumstances while also keeping their long-term goals top of mind.”

How to get started with BHG’s loan concierge service

Getting started with BHG is simple:

Quick online form: Tell us how much you want to borrow, how you plan to use the funds, and some basic financial information. This step only takes a few minutes.
Consultation with your loan expert: Once we receive your information, a dedicated, U.S.-based loan expert will contact you to discuss your goals and answer any questions you have.
Application and processing: We make gathering the necessary application paperwork and documentation as hassle-free as possible. Fill out a few basic forms and your loan expert will handle the rest.
Custom loan offer: Your loan expert will develop a customized loan offer based on your needs and financial profile, including flexible repayment terms† that fit your budget.
Funding: If approved, we work to provide funding quickly, allowing you to move forward with your plans.

What to expect from your loan expert

When you work with a BHG loan expert, you partner with an experienced professional who has helped many people just like you access smart financing solutions without sacrificing the lifestyle you’ve worked hard to build.

Available when you need them: From the initial inquiry through funding, our experts are here to help. You don’t need to have an existing relationship with us to access one-on-one support from your assigned expert.
Ability to tailor solutions: Whether you want to become debt-free or pay for a large expense, our loan experts will take the time to understand your needs and customize loan solutions that will put you on the right path forward.
A personal relationship: From tax returns to business needs, you have a direct connection to our loan experts who can help you manage your financing needs as your personal and professional life grows.

“It's the investment that BHG makes to further cultivate long-lasting business relationships with our customers,” says Raus. “This is manifested through the ongoing support we provide to our customers, whether that’s through the monthly marketing literature we produce to highlight market trends, or how our financial products may play a role in how they run their business each day.”

The smart way to borrow for busy professionals

At BHG Financial, we believe financing should fit seamlessly into your life and goals. Our hybrid concierge service model is designed to cater to busy professionals with unique funding needs. Ready to see what’s possible? Contact a BHG expert today or use our quick and easy payment estimator to get your personalized loan estimate in just seconds.

Not all solutions, loan amounts, rates or terms are available in all states. 

¹ This is not a guaranteed offer of credit and is subject to credit approval.

² There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.

³ Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile.

⁴ Personal Loan Repayment Example: A $59,755 personal loan with a 7-year term and an APR of 17.2% would require 84 monthly payments of $1,228. 

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

Consumer loans funded by Pinnacle Bank, a Tennessee bank or County Bank. Equal Housing Lenders.

No application fees, commitment, or impact on personal credit to estimate your payment. 

For California Residents: BHG Financial loans made or arranged pursuant to California Financing Law license - Number 603G493.