Financing
Bank Concept Creation Process Rent To Own Ethos Fund
This isn’t a job posting. It’s an invitation.
We’re not hiring for roles.
We’re recruiting for a mission.
BIOS Bank is being built to finance more than homes.
We’re financing generational change — for contractors, for landowners, for first-time buyers, and for anyone who’s ever been told,
“That’s not how banking works.”
We disagree.
We believe a bank should serve builders.
We believe finance should be faster, simpler, and smarter — especially for the people who make housing happen.
And we believe the right systems — built by the right people — can change everything.
What We’re Building
This isn’t theory. This is already in motion.
BIOS Homes has quoted over $33 million in modular housing packages in just two days, and we expect to close $250 million in Year One. We’ve built a network of over 700 modular factories around the world.
But we’re not just selling homes.
We’re building the bank that funds them — ethically, intelligently, and globally.
BIOS Bank will:
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Finance modular and manufactured housing at scale
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Support rent-to-own programs that actually convert
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Collect rent for landlords while reporting tenant credit
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Offer loans that restructure themselves before default ever hits
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Operate with a blockchain-native infrastructure, embedding smart contracts, compliance, and capital transparency
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Fund a global network of developers, landowners, and community projects
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Be powered by the ETHOS Fund — a compassion-backed pool that rescues borrowers from failure and rewards the people who made it possible
This isn’t a hypothetical. This is a platform already in motion, built for the hardest deals in housing — and designed to become the most adaptive, inclusive financial institution in the world.
What You’ll Help Us Build
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A smart lending system that evolves with each borrower’s life
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A rent collection engine that turns tenants into homeowners
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A shared equity model for buyers priced out of traditional loans
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A funding mechanism for landowners who want to develop, not just sell
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A banking infrastructure strong enough to serve billion-dollar developers and transparent enough to empower a local contractor
And yes — as BIOS grows — we will acquire smaller banks and bring them into the fold.
We’ll offer them tools to underwrite the underserved.
We’ll give them a way to say “yes” to deals they used to reject.
We’ll help them stay alive — and help the communities they were meant to serve thrive.
Who We’re Looking For
We’re not here to collect resumes. We’re here to connect with builders.
We want:
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Underwriters who know the rules — and why they matter
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Compliance experts who lead with ethics, not ego
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Developers who want to build platforms that last
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Lenders and leaders who know that capital is a tool, not a weapon
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Dreamers who also happen to be doers
You won’t find ping pong tables or happy hours in this pitch.
You’ll find mission, momentum, and the chance to build a bank that outlives us all.
Why BIOS Bank?
Because someone had to do it.
Because the old systems weren’t built for the real world.
Because the right team can change the future of homeownership.
Because you’ve spent your career working for banks — and now, you’re ready to build the one that matters.
Join BIOS Bank.
Built for builders.
Backed by values.
Powered by people like you.
