Our Services

We pride ourselves in thinking outside the box. Our creative approach allows us to cater a loan to meet your individual needs where other lenders may fall short.

WHAT CAN WE DO FOR YOU?

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Learn more about our asset based business loans

Privately funded, asset-based business loans

We specialize in asset-based business loans of all sizes and types. We use your investment property as collateral to secure your loan.

Typical real estate used for asset-based loans can be:

single-family properties
commercial or industrial buildings
vacant land
multi-family buildings

We also offer second mortgages. If you have enough equity in your property, we will often do 2nd Deed of Trust loans.

Loan Types: Purchase, Refinance, Cash Out, Rehab
Loan Amount: $25K-$1+Million
Fees: 1.5 - 4 points, plus processing, title and escrow
Interest-Only Payments
No minimum credit requirements
No income verification
No application fee
Minimal documentation requirements

Fix and Flip

INTEREST RATE

LIEN POSITION

LOAN-TO-VALUE

ORIGINATION

TERM

9.5% to 12%+

1st and 2nd

Up to 70%

1.5 - 3 pts

4 to 10 months

Typical Documentation Requests:

For Purchases: Executed, valid Purchase and Sale Agreement
For Refinances: Mortgage statements, payoff demands, and/or payoff authorizations
Rehab budget or Pro Forma
Interior and exterior pictures (or scheduled site visit)
Operating Agreement or Articles of Incorporation, if holding in business entity

Construction

INTEREST RATE

LIEN POSITION

LOAN-TO-VALUE

ORIGINATION

TERM

12%+

1st and 2nd

Up to 65%

3 pts

10 months+

Typical Documentation Requests:

For Purchases: Executed, valid Purchase and Sale Agreement
For Refinances: Mortgage statements, payoff demands, and/or payoff authorizations
Operating Agreement or Articles of Incorporation, if holding in business entity
Construction documents: Construction contract (signed), permits, structural/architectural plans, construction schedule and estimated budget, etc

Commercial

INTEREST RATE

LIEN POSITION

LOAN-TO-VALUE

ORIGINATION

TERM

12%+

1st and 2nd

Up to 65%

3 pts

10 months+

Typical Documentation Requests:

For Purchases: Executed, valid Purchase and Sale Agreement
For Refinances: Mortgage statements, payoff demands, and/or payoff authorizations
Interior and exterior pictures (or scheduled site visit)
Current executed lease agreements
Two years Schedule E, rent rolls or P&L (as needed)
Operating Agreement or Articles of Incorporation, if holding in business entity
For rehab projects: Rehab budget or Pro Forma

Land

INTEREST RATE

LIEN POSITION

LOAN-TO-VALUE

ORIGINATION

TERM

12%+

1st only

Up to 50%

3 pts

4 to 10 months

Typical Documentation Requests:

For Purchases: Executed, valid Purchase and Sale Agreement
For Refinances: Mortgage statements, payoff demands, and/or payoff authorizations
Operating Agreement or Articles of Incorporation, if holding in business entity
Land documents: Depends on purpose of loan