01. Status of this website
BrightBalance is a brand presented by MAE ESTATE INVESTMENTS LLC. This version is an informational design preview. It does not originate, broker, arrange, service or approve loans through the website, accept credit applications or negotiate settlements with creditors.
This statement describes the website’s functionality. It does not establish the company’s licensing status or authority to provide regulated services. No lender partners, license numbers, NMLS identifiers or service territories have been verified or listed.
02. Illustrative amounts and rates
The calculator’s $5,000–$50,000 balance range, two-to-five-year terms and adjustable rate are illustration controls, not an advertised product range or an available credit offer. The default 12% annual interest rate is an example, not a quoted rate or verified APR.
The calculation assumes monthly payments, a fixed annual interest rate divided by 12, no origination fees and no other charges. If the rate is zero, the principal is divided evenly across the selected term. Actual repayment schedules may differ due to rounding and payment timing.
03. Representative calculation
For an illustrative $20,000 principal, a 12% annual interest rate, 36 monthly payments and no fees, the calculated monthly payment is approximately $664.29. The unrounded model produces total repayment of approximately $23,914.30 and interest of approximately $3,914.30. A real schedule rounded to cents can require a slightly different final payment.
APR can include certain financing charges in addition to interest. Do not compare this fee-free example against a lender’s offer without reviewing the actual APR and all fees.
04. No guaranteed outcome
Consolidation does not automatically reduce principal, interest expense or monthly payments. A longer term can lower monthly payments while increasing total interest. Continued borrowing on paid-off accounts can increase overall debt.
No approval, savings, credit-score improvement, payoff date or eligibility result is guaranteed. The decorative card balances are fictional examples, not customer accounts or evidence of results.
05. Credit checks and applications
The calculator does not obtain a credit report or submit a credit application. Any future lender process may involve credit checks, identity verification and additional disclosures. Those processes are not available here.
06. Fees, compensation and partners
The current website does not charge an application fee, collect payments or transmit applications to lender partners. No referral or compensation arrangement is represented as established. Before a referral service is enabled, relevant partner identities, compensation arrangements and terms must be confirmed and disclosed as required.
07. Independent review
Before accepting credit, review the lender’s identity, licensing where applicable, APR, fees, payment schedule and total repayment. This page is not a substitute for disclosures or contracts required for an actual loan.
Contact MAE ESTATE INVESTMENTS LLC at info@getbrightbalance.org. Do not send Social Security numbers, passwords, full bank account numbers or credit-card details by email.