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Trusted by 12,000+ Americans Since 2014

Build Wealth. Secure Tomorrow. Grow Capital Today.

Multi Site Financial delivers premium finance, loan, investment, and insurance solutions engineered for ambitious Americans. From low-rate mortgages to high-yield portfolios — we craft the strategy that turns income into lasting wealth.

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FDIC-Member Partners
Licensed in 50 States
No Hidden Fees
Multi Site Financial financial advisor reviewing portfolio with client
As Featured & Trusted By
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About Multi Site Financial

A Finance Firm Built on Trust, Strategy & Long-Term Wealth

Founded in 2014 and headquartered in Middlebury, Vermont, Multi Site Financial is a full-spectrum financial services firm serving clients across all 50 states. We blend data-driven strategy with human insight to help Americans make smarter decisions about loans, insurance, investments, and long-term wealth.

Our advisors hold Series 7, 63, 65, and CFP® certifications, with an average of 14 years of industry experience. We don't sell products — we engineer outcomes. Every recommendation is backed by research, fiduciary duty, and a transparent fee structure you can actually understand.

Our Vision

To become America's most trusted partner for building, protecting, and transferring multi-generational wealth.

Our Mission

Deliver transparent, high-yield financial strategies that turn ordinary income into extraordinary capital.

Integrity
Innovation
Client First

Principles That Guide Every Decision

🎯

Fiduciary First

We're legally bound to act in your best interest — always.

🔍

Radical Transparency

Every fee, every risk, every return — disclosed in plain English.

🚀

Compounding Mindset

Small, disciplined moves today create massive outcomes tomorrow.

🛡️

Defense Before Offense

Protect what you've built before chasing the next dollar.

Milestones & Metrics

Numbers That Define Our Track Record

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Active Clients Nationwide
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Assets Under Advisory
0
Client Retention Rate
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States We Serve
Why Multi Site Financial

Six Reasons Americans Choose Us Over Banks

We're not a call center. We're a dedicated team of fiduciaries, strategists, and advocates committed to one mission — your financial growth.

Bank-Grade Security

256-bit encryption, multi-factor auth, and SOC-2 compliant infrastructure protect every transaction and document.

Dedicated Advisor

One senior advisor — not a rotating call center — knows your numbers, your family, and your goals by name.

Custom Strategy

No templates. Every plan is engineered around your income, risk profile, timeline, and family structure.

24/7 Dashboard

Real-time portfolio, loan status, premium tracking, and net-worth snapshots — accessible anywhere, anytime.

Fiduciary Standard

Legally obligated to put your interests first. No commissions, no kickbacks, no conflicts — ever.

Transparent Pricing

Flat fees, disclosed upfront. You'll never wonder what we earn — and you'll always know what you're paying for.

How We Work

A 4-Step Path to Financial Confidence

Step 01

Discovery Call

A 30-minute deep-dive into your income, goals, debts, and risk appetite — completely free.

Step 02

Strategy Design

Our team builds a custom blueprint covering loans, insurance, and investments tailored to your numbers.

Step 03

Implementation

We execute — setting up accounts, restructuring debt, activating coverage, and deploying capital.

Step 04

Ongoing Optimization

Quarterly reviews, rebalancing, and proactive adjustments keep your strategy ahead of markets and life.

Loan Services

Low-Rate Loans for Every Life Goal

From your first home to your next business, we structure loans that build wealth instead of draining it.

🏡

Home Loan

30/15-year fixed, ARM, and jumbo options starting at 5.4% APR. Pre-approval in 48 hours.

Apply Now
🎓

Education Loan

Undergrad, grad, and refinancing at 3.9%+ APR. No origination fees, flexible repayment terms.

Apply Now
💼

Business Loan

SBA 7(a), term loans, lines of credit from $25k to $5M. Same-day pre-qualification.

Apply Now
🚗

Auto Loan

New, used, and refi at 4.8%+ APR. Up to 84-month terms, zero prepayment penalties.

Apply Now
💳

Personal Loan

Unsecured $1k–$100k at 6.9%+ APR. Funded in 24 hours. Consolidate debt or fund life.

Apply Now
🏦

Mortgage Loan

Conventional, FHA, VA, and refinance solutions starting at 5.1% APR. Closing in 21 days.

Apply Now

Ready to Lock In a Lower Rate?

Get pre-qualified in 60 seconds — no credit-score impact, no obligation.

Check My Rate
Insurance Services

Protection Plans That Cover What Matters Most

Comprehensive coverage from A-rated carriers — built for families, businesses, and the unexpected.

🚙

Auto Insurance

Liability, collision, comprehensive. Bundle and save up to 25% with safe-driver rewards.

🩺

Health Insurance

ACA marketplace, HMO, PPO, and HSA-compatible plans for individuals, families, and self-employed.

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Home Insurance

Dwelling, contents, and liability. Flood and earthquake endorsements available in all 50 states.

❤️

Life Insurance

Term, whole, and universal life up to $10M coverage. No-medical-exam options available.

✈️

Travel Insurance

Trip cancellation, medical evacuation, and baggage protection for 190+ countries.

📋

Mortgage Insurance

PMI, MIP, and mortgage protection that pays off your loan if the unthinkable happens.

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Burial Insurance

Final expense policies from $5k to $50k. Guaranteed acceptance for ages 50–85.

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Pet Insurance

Accident, illness, and wellness coverage for dogs, cats, and exotics. 90% reimbursement.

🏢

Business Insurance

GL, BOP, E&O, workers' comp, and cyber. Custom packages for 1–500 employee firms.

Don't Leave Your Family Unprotected

Get a free coverage audit and compare quotes from 40+ A-rated carriers.

Get Free Quote
Investment Services

Smart Capital, Strategically Deployed

Diversified portfolios engineered for growth, income, and tax efficiency — aligned to your timeline.

Investment Management

Actively managed portfolios across equities, bonds, alternatives, and ETFs. Quarterly rebalancing, tax-loss harvesting, and direct indexing for high-net-worth clients. Minimum: $50k.

Avg return: 11.8% Fee: 0.65%
Start Investing

Stock Investment

Self-directed or advisor-assisted brokerage with $0 commissions on US stocks and ETFs. Real-time research, level-2 data, and fractional shares from $1. Smart-order routing for best execution.

$0 commission Fractional shares
Open Account

Gold Investment

Physical gold, gold IRAs, and digital gold tokens. Direct allocation to American Eagles, Maple Leafs, and allocated vault storage insured by Lloyd's of London. Hedge against inflation and currency devaluation.

IRS-approved Insured storage
Buy Gold

Mutual Funds

Curated selection of 200+ no-load and index funds from Vanguard, Fidelity, and T. Rowe Price. Build a diversified core portfolio with low expense ratios and automatic monthly contributions.

No-load funds Auto-invest
Explore Funds

Put Your Money to Work Smarter

Schedule a free portfolio review with a fiduciary advisor today.

Review My Portfolio
Other Finance Services

A Full Suite for Every Financial Need

Beyond loans, insurance, and investments — we cover the entire spectrum of modern financial life.

Wealth Management

Holistic strategy for high-net-worth individuals ($1M+). Includes tax, estate, and legacy planning.

Retirement Planning

401(k) rollovers, Roth conversions, and income ladders for a tax-efficient retirement.

Credit Score Repair

Aggressive dispute process removing inaccuracies. Average 80-point increase in 90 days.

Debt Relief

Negotiate settlements, restructure terms, and become debt-free in 24–48 months.

Credit Card

Premium cards with 2% cashback, 0% intro APR for 18 months, and no annual fee year one.

Master Card

World Elite Mastercard with airport lounges, concierge, and 3x rewards on travel.

Tax Planning

CPA-led strategy that saves clients an average of $4,800/year through proactive structuring.

Estate Planning

Wills, revocable trusts, and dynasty trusts. Partner with vetted estate attorneys nationwide.

Auto Warranty

Bumper-to-bumper coverage for new and used vehicles. 24/7 roadside assistance included.

Digital Payments

Instant transfers, P2P payments, and bill pay — all integrated in your Capital dashboard.

Transparent Pricing

Packages Built for Every Stage of Wealth

No hidden fees. No commissions. Just straightforward pricing tied to outcomes — not transactions.

Starter

Capital Foundation

$49 /month

For professionals beginning their wealth journey.

  • Dedicated advisor
  • $50k+ investment access
  • Quarterly reviews
  • Loan & insurance quotes
  • Mobile dashboard
Get Started
Most Popular
Growth

Capital Accelerator

$149 /month

For ambitious professionals building serious capital.

  • Senior advisor + team
  • $250k+ portfolio access
  • Monthly strategy calls
  • Tax-loss harvesting
  • Estate plan review
  • Priority support 24/7
Choose Growth
Private

Capital Legacy

Custom

For families managing $1M+ in net worth.

  • Dedicated CFP® + CPA team
  • Alternative investments
  • Direct indexing
  • Trust & estate structuring
  • Family office services
  • Private banking access
Request Consultation
Book a Service

Schedule Your Free 30-Min Consultation

Tell us what you're working toward. A senior advisor will reach out within 1 business hour to schedule your strategy session.

Call Us Directly
(503) 231-2744
Response Time
Within 1 business hour, Mon–Fri 8am–8pm ET

Service Booking Form

Client Testimonials

Real Americans. Real Results.

4.9/5 from 2,400+ verified reviews

Multi Site Financial refinanced our mortgage at 5.4% — saving us $38,000 over the life of the loan. Their team handled every document, and we closed in 19 days. Unreal service.

JM
Jessica Morrison
Austin, TX

As a small-business owner, I needed an SBA loan fast. Capital Growth pre-qualified me in 4 hours and funded $480,000 in nine days. My advisor actually understood my industry.

DR
David Reynolds
Denver, CO

I've been with Capital Growth for 3 years. My portfolio is up 28%, and they proactively called me during the last market dip to rebalance. That's fiduciary-level service.

SK
Sarah Kowalski
Portland, OR

After my husband passed, the team helped me restructure life insurance proceeds into a diversified income portfolio. I now generate $4,200/month in passive income. Lifesavers.

LP
Linda Patterson
Tampa, FL

Their credit repair team removed 6 inaccuracies from my report and bumped my score from 612 to 728 in 14 weeks. I just got approved for a mortgage I thought was impossible.

MT
Marcus Thompson
Atlanta, GA

My CPA saved me $7,200 in taxes this year through Roth conversions and charitable bunching. The fee I paid was the best ROI of any professional service I've ever used.

EC
Emily Chen
San Diego, CA
Frequently Asked Questions

Answers to Your Questions

Is Multi Site Financial a fiduciary?
Yes — 100%. Every advisor on our platform is held to the fiduciary standard under the Investment Advisers Act of 1940. We are legally obligated to act in your best interest at all times, and we receive no commissions or kickbacks from any product we recommend.
Which states do you serve?
We are licensed to serve clients in all 50 US states and the District of Columbia. Our insurance carriers are A-rated and admitted in every state, and our investment advisors hold Series 7, 63, and 65 registrations nationwide.
What is the minimum to start investing?
Our Capital Foundation package starts at $49/month with a $50,000 minimum investment. For self-directed brokerage accounts, you can begin with as little as $1 through fractional shares. Wealth Management services require $1M+ in investable assets.
How fast can I get approved for a loan?
Personal loans can be pre-qualified in 60 seconds with no credit-score impact, and funded within 24 hours. Mortgage pre-approvals take 48 hours, with closing in as little as 21 days. SBA business loans typically fund within 7–14 business days.
Are there any hidden fees?
Never. Our pricing is fully transparent and disclosed upfront. Investment management fees range from 0.50% to 0.85% annually based on portfolio size. Loan origination fees (when applicable) are disclosed before you sign. Insurance commissions are paid by carriers, not you.
How are you different from a traditional bank?
Banks sell their own products. We shop 40+ carriers and 200+ fund families to find what's actually best for you. Banks rotate relationship managers every 18 months. Our advisors average 14 years of experience and stay with you for the long haul. We're fiduciaries; banks are sales organizations.
How does credit score repair work?
We use the Fair Credit Reporting Act to dispute inaccuracies, outdated accounts, and unverifiable items with all three bureaus (Equifax, Experian, TransUnion). Our clients see an average 80-point increase within 90 days. We charge a flat fee — no per-deletion games.
What happens to my data when I contact you?
Your data is encrypted in transit (TLS 1.3) and at rest (AES-256), stored in SOC-2 Type II compliant infrastructure. We never sell, rent, or share your information with third parties. Review our Privacy Policy for full details on data handling.
Get In Touch

Let's Build Your Financial Future Together

Phone
(503) 231-2744
Mon–Fri 8am–8pm ET
Email
info@multisitefinancial.com
We reply within 1 business hour
Address
Po Box 567
Middlebury, Vermont 05753, USA
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