Asset Based Hard Money Loans – Fast Funding, No Credit Score Required
TL;DR: Fast Funding, No Excuses
HardMoneyMan.com LLC offers private real estate loans nationwide with no credit score, no income docs, and fast closings. Whether you’re flipping a duplex, refinancing a strip mall, or securing bridge capital for a warehouse—we fund deals based on equity, not paperwork.
- Loan amounts from $75K to $5MM
- Up to 50% LTV
- 1-day out of bankruptcy OK
- Residential, mixed-use, and commercial properties eligible
Apply Now or Explore Asset-Based Loans
Asset Based Hard Money Loans
Close fast with equity-first lending.
No credit score required. No income docs.
Residential loans close in 10 days.
Commercial & mixed-use loans close in 20 days.
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
Asset Based Hard Money Lenders – No Credit Check Required
We specialize in asset-based hard money loans that require no credit check. Whether you’ve faced recent mortgage lates, bankruptcy, or low FICO scores, our approvals are based solely on property equity. If your deal has value, we’ll fund it—no tax returns, no paystubs, and no credit score minimum.
- No credit check or FICO requirement
- Fast closings—typically 14 to 21 days
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 |
Funding for Real Estate Investors with Poor Credit
Traditional lenders say no—we say yes. Our asset-based hard money loans are designed for investors who have equity but face credit challenges. Whether you’re one day out of bankruptcy or have recent mortgage lates, we fund deals based on property value—not your FICO score.
Asset Based Loans Apply Here
Alternative Financing When Banks Won’t Lend
If your deal makes sense, we’ll fund it. Our program skips income docs, ignores credit scores, and closes fast. Investors use our asset-based loans to refinance strip malls, 1-4 unit and 5+ unit residential, or bridge capital for commercial sites like warehouses and self storage—without the red tape.
Who Benefits Most from Asset-Based Loans?
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.
See If Your Property Qualifies
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.
Asset-Based Lending for Self-Storage Facilities
Self-storage properties are ideal candidates for asset-based hard money loans. Whether you’re acquiring, refinancing, or expanding a facility, we offer fast capital based on equity—not income or credit. Our program supports repositioning, bridge financing, and cash-out scenarios for stabilized or value-add storage assets.
- Loan amounts from $75K to $5MM
- Up to 50% LTV based on appraised value
- No income documentation or credit score required
- Funding available for expansion, refi, or purchase
Own or operate a self-storage facility? Apply now to unlock equity or secure fast funding for your next deal. We fund across all 50 states with no income docs and no credit check.
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 residential 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 |
If you’re flipping a property and have equity but limited credit, our Hard Money Loan for House Flip guide shows how asset-based lending can help you close fast and fund your rehab.
Frequently Asked Questions
What is an asset-based hard money loan?
An asset-based hard money loan is financing secured by real estate, approved based on property value and collateral rather than credit or income.
How fast can I close?
Most asset-based loans close in 14 days, with approvals issued in 30 minutes.
Do you lend nationwide?
Yes. We provide asset-based hard money loans across the U.S. for residential and commercial properties.
Do you lend to LLCs?
Yes. All programs can be closed in LLCs or other business entities.
Do you require appraisals?
Depending on the deal and collateral, appraisal requirements vary. Clear scopes and comps can accelerate approvals.
What types of properties qualify?
We finance 1–4 unit residential rental properties nationwide under asset-based programs.
Do you work with first-time investors?
Yes. Whether you’re new to real estate or experienced, we provide flexible financing options.
What are typical loan terms?
Asset-based DSCR loans are available with 30-year terms, designed for long-term rental property financing.