Asset Based Hard Money Loans – Fast Funding, No Credit Score Required
Fast Closings. Flexible Terms. Zero Credit Restrictions.
If you’re an investor, business owner, or real estate professional facing funding friction, asset-based hard money loans open the door to approvals that traditional lenders can’t offer. No income docs. No minimum credit score. No waiting periods post-bankruptcy.
As top-tier asset based hard money lenders, we approve deals based solely on the value of the collateral—and we fund in days, not weeks.
Why Asset-Based Lending Works
Skip the Credit Check—Fund the Deal
Most lending programs rely on borrower income and FICO scores. Ours doesn’t. We’re equity-first lenders, focused on the strength of the property—whether it’s a multifamily rental, strip mall, or office building.
- No tax returns or paystubs
- No seasoning required
- LTV-based underwriting
- Approvals in less than a few hours
Program Highlights
Loan Terms & Eligibility
We offer one of the nation’s most flexible asset-based hard money loan programs:
| Feature | Details |
| Credit Score Requirement | None |
| Maximum Loan-to-Value (LTV) | 50% |
| Interest Rate Range | 8%–12.5% (deal-based) |
| Property Types | 1–4 units, apartments, mixed-use, commercial |
| Loan Amounts (Residential) | $75K–$2MM |
| Loan Amounts (Commercial) | $75K–$5MM |
| Closing Speed | Typically 14 days (residential), 21 (commercial) |
| Rural Properties | Not eligible |
| Bankruptcy / Mortgage Lates | OK, even 1 day post-BK |
Property Types We Fund
Residential, Mixed-Use & Specialized Commercial
Residential 1–4 Unit:
- Single-family homes
- Duplexes, triplexes, fourplexes
- Townhomes and condos
5+ Unit Multifamily & Mixed Use:
- Apartment buildings
- Urban mixed-use retail-residential
- Walk-up buildings and garden style
Commercial Properties:
- Office buildings
- Retail strip malls
- Sober living facilities
- Automotive shops
- Warehouse and industrial space
- Self-storage facilities
Timeline: From Application to Funding
How Fast Can You Close?
Depending on the property type, here’s what to expect:
- Day 1 – Initial review and conditional loan approval
- Day 2– Appraisal ordered and title opened
- Day 3-14 – Document collection and closing coordination
- Day 15+ – Closing
Our experienced team works alongside brokers, borrowers, and attorneys to minimize delays—especially for refi’s and purchases with clear title.
Get Approved Fast — No Credit Score Needed
Headline: Close in Days. Not Weeks. Your Property Qualifies—Even If You Don’t.
Body Copy: We fund deals others won’t. Whether it’s a self-storage facility, sober living home, or multifamily rental—our asset-based loans are backed by equity, not red tape. No credit score. No income docs. Just fast financing.
Residential & Commercial
$75K to $5MM Loan Amounts
50% Max LTV
1 Day Out of Bankruptcy OK
Who Benefits Most from Asset-Based Loans?
Real Borrowers, Real Results
This program is ideal for:
- Investors with recent mortgage lates
- Buyers 1 day out of bankruptcy
- Real estate pros with tax complexity
- Asset-rich entrepreneurs lacking income docs
- Anyone needing fast funds on free-and-clear real estate
If your deal has equity, we can structure it.
Common Use Cases
When Speed Beats Paperwork
- Purchase of bank-owned multifamily
- Refi of strip malls with expiring balloon debt
- Bridge loan on warehouse pending SBA
- Entry into automotive or sober living site
- Self-storage repositioning or expansion
- Poor credit borrowers needing a short-term bridge
Our asset-based hard money lending is designed for strategic borrowers ready to move fast without traditional underwriting constraints.
What Are Asset-Based Hard Money Loans?
Asset-based hard money loans are private lending solutions that rely solely on the value of the property, not the borrower’s income, credit score, or employment status. As premier asset based hard money lenders, we fund deals across the country based on real estate equity and market conditions.
Whether you’re flipping a duplex, refinancing an office building, or securing bridge capital for a strip mall, this program offers:
No income documentation
No credit score minimum
Fast closings—often within 14 days
Funding from $75,000 to $5,000,000
Who Qualifies?
You’re a fit if you have:
Equity in non-owner-occupied residential or commercial property
A need for fast capital, regardless of FICO or bankruptcy status
A property in a qualifying metro (no rural real estate allowed)
Clear title or ability to satisfy liens at closing
Property Types We Fund
We offer asset-based loans for:
1–4 unit residential rental properties
Apartment buildings with 5+ units
Mixed-use buildings
Sober living facilities
Warehouses, self-storage, and commercial strip malls
Automotive service buildings
Office complexes
Note: We do not fund agricultural, rural, or owner-occupied properties.
Loan Terms & Rates
Every deal is custom underwritten based on property type and location:
| Term | Residential | Commercial |
|---|---|---|
| Loan Amount | $75K–$2MM | $75K–$5MM |
| Max LTV | 50% | 50% |
| Rates | 8%–12.5% | 8%–12.5% |
| Closing Speed | ~14 Days | ~21 Days |
| Credit Score Needed | None | None |
| Docs Required | Basic Title | Basic Title |