Asset Based Hard Money Loans
No Credit Score Required
Bad credit? Low credit? 500 credit score?
Your credit score does not determine whether we lend. We make asset-based loans based on the AS IS (NOT ARV) value of the property.
We fund asset-based loans with mid-credit scores as low as 400 and lend 50% of the property's AS IS value.
Our asset-based hard money loans are designed for real estate investors who may not qualify for traditional financing because of their credit, income documentation, employment history, or other borrower-related factors.
We focus on the property. Eligible investment properties include 1–4 unit residential properties, multifamily, mixed-use, office, retail, self-storage, warehouses and other qualified investment real estate.
Asset-Based Loan Requirements
- No minimum credit score requirement
- Credit scores as low as 400 mid-score considered
- 500 credit score does not disqualify you
- 50% of property value
- Property must be livable and rent ready
- No rehab financing - THIS IS NOT AN ARV REHAB LOAN
- No ground-up construction
- No land financing
- Mortgage payments must be current on refinance transactions
- No rural properties
- Fast closings
Your Credit Score Doesn't Determine the Loan
Our asset-based lending program is different from traditional hard money and bank financing. We focus on the property and lend 50% of the property's value rather than using your credit score to determine the loan amount.
500 Credit Score?
A 500 credit score does not automatically disqualify you. We can fund borrowers with mid-credit scores as low as 400 because the property's value is the primary consideration.
We Lend on the Property
The loan is based on 50% of the property's value. Your credit score does not increase or decrease the loan amount under this asset-based program.
Built for Real Estate Investors
This program is designed for investors who need financing based on the strength of their real estate rather than traditional income, employment or credit-based underwriting.
What Does “No Credit Check” Mean?
When investors search for a no credit check hard money loan, they are usually looking for financing where a low credit score will not prevent the deal from getting funded. That's how our asset-based program works. We obtain credit information as part of our overall due diligence, but your credit score is not a qualification factor for this program. The property is the collateral, and we lend 50% of its value.
Asset-Based Loan Requirements & Parameters
HardMoneyMan.com LLC is a direct lender specializing in asset-based real estate financing for investors from Texas to the East Coast. Approval is based on the property, not a minimum credit score.
Eligible Investment Property Types
Asset-based lending is available for qualifying residential and commercial investment properties.
Property Restrictions: No rehab financing • No ground-up construction • No land financing • No rural properties. Properties must be livable and rent ready. Refinance borrowers must be current on existing mortgage payments.
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No Credit Check |
Self Storage Lending
Proven Results: Recently Funded Deals
Real-world financing solutions for high-equity assets. No credit required.
The Asset-Based Advantage
We prioritize your property’s value over your personal financial history.
No Income Verification
Forget the W2s and tax returns. Approval is based on property equity, not your personal debt-to-income ratio.
Fast Approval
Close on market opportunities while others wait for credit committees. We fund most deals in 10 business days.
Credit Not Required
Low FICO or zero credit history won’t kill your deal. If the property has 50% equity, you’re qualified.
Maximum 50% LTV • Direct Private Capital
No rehab. No construction. Just fast, asset-based bridge funding.
Program Highlights & Loan Terms
Fast funding for residential and commercial investment assets.
| Feature | Program Details |
|---|---|
| Credit Requirement | NONE (Asset-Based Only) |
| Maximum LTV | 50% (As-Is Value) |
| Interest Rates | 8% – 12.5% (Based on asset profile) |
| Eligible Assets | 1-4 Family, Multifamily, Mixed-Use, Retail, Industrial |
| Residential Loan Amounts | $50,000 – $2,000,000 |
| Commercial Loan Amounts | $100,000 – $5,000,000+ |
| Closing Speed | Residential: ~10 business Days | Commercial: ~21 Days |
| Bankruptcy / Late Pays | OK (Even 1 day post-BK) |
| Ineligible Assets | Rural properties, Land, Rehabs |
*All loans are subject to property valuation and title review. We do not provide consumer loans or primary residence financing.
Eligible Property Types
We provide asset-based financing for residential, mixed-use, and specialized commercial real estate.
🚀 Funding available across the U.S. From Texas to the East Coast.
Check Property Eligibility →
Self-Storage
Facility Loans
Self-storage properties are ideal candidates for asset-based hard money loans. Whether you are acquiring a new facility, refinancing debt, or pulling cash out for expansion, we fund based on equity and facility value—not your personal credit or income.
✓ Bridge Financing
✓ Cash-Out Refi
✓ Portfolio Expansion
Who We Fund: Strategic Asset-Based Solutions
Our lending is designed for complex scenarios where speed and equity matter more than paperwork.
Ideal Borrower Profiles
- 🕒 1-Day Post-Bankruptcy: No waiting periods required.
- 📉 Credit Challenges: Recent mortgage lates or low FICO.
- 🧾 Income Complexity: Self-employed or asset-rich/cash-poor.
- 🌍 Foreign Nationals: Investors with no U.S. credit file.
- 💎 Free & Clear Owners: Needing fast cash-out on equity.
Common Use Cases
- 🎈 Expiring Balloons: Fast refi to prevent foreclosure.
- 🏢 Bank-Owned Assets: Quick purchase of REO multifamily.
- 🛒 Strip Malls: Fast capital for retail repositioning.
- 📦 Storage Expansion: Rapid funding for new facility units.
“If your deal has equity, we can structure it.”
What Are Asset-Based Hard Money Loans?
Asset-based hard money loans are private real estate loans approved based on the value of the property rather than credit score, income, or employment history. These loans are secured by real estate collateral and are commonly used by investors who need fast financing.
How Asset-Based Hard Money Loans Work
- Submit Property: Provide property details for review.
- Asset Valuation: We determine current as-is market value.
- Funding Approval: Loan is issued based on equity position (up to 50% LTV).
Who Qualifies?
- Real estate investors
- Borrowers with low or no credit
- Foreign nationals
- Entities (LLCs, Trusts, Corps)
Property Types
- 1–4 Unit Residential
- Multifamily / Mixed-Use
- Retail / Industrial
- No Rural / No Land / No Rehab
| Term | Details |
|---|---|
| Credit Requirement | NONE |
| Maximum LTV | 50% |
| Interest Rates | 8% – 12.5% |
| Closing Time | 10 business Days |
📚 Asset-Based Loan Resource Center
Explore our in-depth guides to better understand how asset-based lending works, what documents are needed, and how quickly qualified loans can close.
📋 Asset-Based Loan Requirements
Learn what is required to qualify for an asset-based hard money loan, including property requirements, loan-to-value limits, equity requirements, credit considerations, and borrower qualifications.
Read Guide →🏡 How Asset-Based Loan Approval Works
Learn how asset-based lenders evaluate property value, available equity, collateral strength, and the factors that determine loan approval.
Read Guide →📄 Documents Needed for an Asset-Based Loan
Understand the documentation needed for an asset-based loan, including insurance, title, leases, and entity documents when applicable.
Read Guide →⏱ How Fast Can an Asset-Based Loan Close?
Learn about the typical asset-based loan timeline, appraisal requirements, closing steps, and ways investors can avoid delays.
Read Guide →“]
Asset-Based Loans & No Credit Score FAQs
Have questions about asset-based lending, credit requirements, property value, loan amounts, or qualifying with bad credit? Here are answers to the questions real estate investors ask most often.
Can I get an asset-based hard money loan with no credit check?
Yes. Our asset-based lending program has no minimum credit score requirement. We have funded borrowers with credit scores in the 400s and 500s. The loan is based on the value of the real estate asset, with the program lending at 50% of the property’s value.
Is there a minimum credit score for your asset-based loans?
No. There is no minimum credit score requirement. Your credit score does not determine the amount we lend under this asset-based program. The financing is based on the property value, and the program lends 50% of the asset value.
Can I qualify for an asset-based loan with a 500 credit score?
Yes. A 500 credit score does not disqualify you. We have funded borrowers with credit scores in the 500s and even the 400s. The asset-based program is structured around the value of the property rather than a minimum credit score.
Can I get a hard money loan with bad credit?
Yes. Bad credit does not automatically prevent you from obtaining an asset-based hard money loan through our program. There is no minimum credit score requirement, and the loan is based on the value of the qualifying real estate asset.
Do you offer hard money loans with no credit check?
Yes. Our asset-based hard money program has no minimum credit score requirement. Credit is not the determining factor for the loan. We lend 50% of the property’s value based on the qualifying asset.
How does asset-based lending work?
Asset-based lending uses the real estate property as the primary basis for the loan. Instead of relying on traditional income qualification or a minimum credit score, the program is structured around the property’s value and the equity supporting the loan. Our asset-based program lends 50% of the property’s value.
How much can I borrow with an asset-based loan?
Our asset-based loans range from $50,000 to $5 million. The program lends 50% of the property’s value, so the property’s value determines the maximum loan amount available under the program.
What is the loan-to-value for your asset-based lending program?
The asset-based program lends at 50% loan-to-value. In other words, the program lends 50% of the property’s value.
Do I need to provide income verification for an asset-based loan?
Traditional income qualification is not the primary basis of our asset-based program. The financing is focused on the value of the real estate asset and the equity supporting the loan.
Can I get an investment property loan with no credit score requirement?
Yes. Qualifying investment properties can be financed through our asset-based program without a minimum credit score requirement. The program lends 50% of the property’s value and is based primarily on the real estate asset.
Can I get an asset-based loan if I have a recent bankruptcy or credit problem?
A recent bankruptcy or credit problem does not automatically disqualify you from the asset-based program. There is no minimum credit score requirement. The property and its value are the primary basis for the financing.
What types of properties qualify for asset-based lending?
Qualifying residential and commercial investment properties may include 1–4 unit residential properties, multifamily, mixed-use, office, retail, industrial, self-storage, warehouses, and other qualifying real estate assets. Properties must be livable and rent ready.
Do you offer asset-based loans for commercial real estate?
Yes. Asset-based lending is available for qualifying commercial investment properties, including multifamily, mixed-use, office, retail, industrial, self-storage, warehouses, and other qualifying commercial assets.
Do you offer no-credit-check hard money loans nationwide?
NO. HardMoneyMan.com provides asset-based real estate financing from Texas to the East Coast. The program has no minimum credit score requirement and is structured around the value of the qualifying property.
How fast can an asset-based hard money loan close?
Qualified asset-based transactions can often close in approximately 10 business days, depending on the property, documentation, valuation, title, and other transaction requirements.
Do you finance properties that need repairs or rehabilitation?
No. The asset-based program is designed for properties that are livable and rent ready. It does not provide financing for rehabilitation, ground-up construction, or land.
Do you finance rural properties with asset-based loans?
No. Rural properties are not eligible for this asset-based lending program. Properties must meet the program’s property requirements and be livable and rent ready.
Is an asset-based loan the same as a traditional hard money loan?
Not exactly. This asset-based program is specifically structured around the value of the real estate asset. Unlike many traditional lending programs, there is no minimum credit score requirement, and the loan is made at 50% of the property’s value.
What do you look at when approving an asset-based loan?
The primary consideration is the value of the real estate asset. The property serves as the collateral for the loan, and the program lends 50% of the asset value. The property must also meet the program’s eligibility and condition requirements.
How do I apply for an asset-based hard money loan?
You can submit your property and transaction information through our online application. Tell us about the property, its value, the requested loan amount, and the transaction.
Have a Property? Let’s Look at the Deal.
No minimum credit score. No traditional bank-style income qualification. Asset-based financing based on the value of qualifying real estate.
Asset-Based Lending Market Network
Explore active equity-driven lending markets. We focus on property equity, not credit scores or income.