Asset Based Lending for
Real Estate Investors
Asset-based lending focused on the property — not your credit score, income verification, or tax returns.
Whether your credit is excellent, challenged, or recently impacted, we can lend up to 50% of the property value on qualified residential and commercial investment properties nationwide.
We provide fast private capital for investors using equity-driven underwriting and common-sense deal analysis. Funding is available for 1–4 unit residential properties, multifamily, mixed-use, office buildings, retail centers, self-storage, warehouses, and commercial investment properties.
Approvals are based primarily on the strength of the collateral, available equity, and exit strategy — not traditional bank underwriting formulas.
Program Requirements:
- Maximum 50% loan-to-value (LTV)
- Property must be livable and rent ready
- No rehab financing
- No ground-up construction loans
- No land financing
- For refinance transactions, mortgage payments must be current
- No rural properties
- Fast nationwide closings — often in as little as 2 weeks
Asset-Based Private Lending for Real Estate Investors
HardMoneyMan.com LLC is a direct private lender specializing in asset-based real estate financing for investors nationwide.
Our programs focus primarily on property equity and collateral value rather than credit score, tax returns, or traditional bank underwriting guidelines.
We provide up to 50% loan-to-value (LTV) on qualified residential and commercial investment properties, including multifamily, mixed-use, office, retail, self-storage, and other income-producing real estate assets.
Program Restrictions:
No rehab financing, no ground-up construction loans, and no land financing.
Properties must be livable and rent ready.
Refinance borrowers must be current on existing mortgage payments.
Asset-Based Loan Parameters
Fast funding secured by real estate equity — not credit scores, tax returns, or bank underwriting.
No Credit Score Required
We fund deals traditional lenders decline. Credit events, bankruptcies, or limited credit history are not disqualifiers. Approval is based primarily on the value and equity of the asset.
Includes: borrowers 1-day out of bankruptcy, distressed credit profiles, and non-traditional income structures.
Eligible Property Types
Jump to:
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 7–10 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 | $75,000 – $2,000,000 |
| Commercial Loan Amounts | $75,000 – $5,000,000+ |
| Closing Speed | Residential: ~14 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 | 10-14 Days |
Common Questions
Clear answers for real estate investors using asset-based financing.
What is an asset-based hard money loan?
An asset-based hard money loan is a real estate loan secured by the property itself rather than your credit score or income. Approval is based on equity and market value, not personal financial history.
Can I get a hard money loan with bad credit?
Yes. Credit is not a factor. Even borrowers with bankruptcies, late payments, or low FICO scores can qualify if the property has sufficient equity (typically 50% LTV or better).
How fast can you close a hard money loan?
Most deals close in 7 to 14 days. Simple residential transactions can fund even faster once title and valuation are confirmed.
Need speed? Start your application here →
What loan-to-value (LTV) do hard money lenders offer?
Most asset-based lenders cap financing at 50% LTV of the as-is property value. This protects both the lender and borrower while enabling fast approvals without income verification.
Do hard money lenders require income verification?
No. We do not require W2s, tax returns, or pay stubs. This is strictly asset-based lending, meaning your property replaces your income as the qualifying factor.
What types of properties qualify?
Eligible properties include 1–4 family rentals, multifamily buildings, mixed-use, retail, and warehouse assets. We do not fund rural land or rehab construction under this program.
Asset-Based Lending Market Network
Explore active equity-driven lending markets. We focus on property equity, not credit scores or income.