Bootstrap Themes

Asset-Based Loans

Step into a world where your assets take center stage, paving the way to property ownership. Asset-based loans tap into the worth of your tangible holdings, offering an innovative mortgage solution that values what you own over what you earn. Chart a course toward securing your home, guided by financial strategies that honor the full picture of your investment potential.

Get a Free Quote

Financial Flexibility

Dive into the world of property investment with confidence, even if your credit score isn't making the grade. Our asset-based loans shine a spotlight on opportunity over obstacles, giving you the keys to unlock the door to your future home, credit score aside.

Income Proof, Redefined

Bid farewell to the one-size-fits-all approach to mortgages. Our lending philosophy embraces the unique tapestry of your financial story. Whether your income streams are as varied as the seasons or as unconventional as your entrepreneurial spirit, we tailor the verification to fit you.

Asset-Based Financing Benefits

The primary benefit of an asset-based loan or mortgage is that you can make use of assets you already have, regardless of your current financial status. This means that your current income will not be factors for loan approval. Asset-based mortgages are designed for home buyers and homeowners who have significant verifiable assets and would benefit from alternative loan qualification.

Your information has been successfully submitted. A mortgage loan officer will be in touch with you shortly to complete the process. We appreciate your interest and are excited to help you with your mortgage needs.
Looking forward to assisting you with your home financing journey!

Asset-Based Loans Options

General Lender Requirements

  • Credit scores as low as 500 accepted.
  • Down payments as low as 10%.
  • Loan amounts available up to $5,000,000.
  • No income or employment required (you can be unemployed & still be eligible).
  • Some lenders do not have any DTI requirements.
  • Most lenders will allow you to use 100% of your liquid assets.
  • Have assets divided by as little as 60 months to create your “monthly income”.

The exact requirements to get a asset-based loan vary from lender to lender. If you would like some assistance finding a lender, we can help match you with a lender.

Learn more about Asset-Based Loans

Navigating the mortgage maze just got easier with asset-based loans (or asset depletion), a beacon of hope for those rich in assets yet facing traditional income verification roadblocks. Envision unlocking your asset's latent power – be it stocks, bonds, or retirement funds – to clinch that coveted home deal. Asset-based loans (or asset depletion) aren’t mere financial instruments; they're a testament to using your hard-earned wealth to pave the way for homeownership. For those entrenched in the property market, whether as homeowners or potential buyers, this is more than a loan option; it's a strategic move to harness your assets’ full potential.

Today's financial terrain is diverse, and fitting into the conventional mortgage framework can be like fitting a square peg into a round hole, especially for astute investors and affluent individuals. Enter asset-based loans (or asset depletion). These are not just loans but financial lifelines tailored for those who know that their fiscal value transcends a mere salary slip. By considering your comprehensive asset portfolio, these loans offer a bespoke financial solution, aligning perfectly with your unique fiscal story. For today's savvy homeowners and buyers, asset-based loans (or asset depletion) are more than financial aids; they're a salute to your financial acumen, offering a homeownership path that celebrates and leverages your entire financial landscape.

The Power of Your Assets in Lending

Ever felt like your back's against the wall when it comes to securing a loan? Here's a plot twist — your assets might just be the heroes you haven't considered. Asset-based loans are like the secret agents of the finance world, sneaking under the radar to offer you a lifeline when traditional loans give you the cold shoulder. Imagine leveraging what you already own to carve out new beginnings, or to expand the empire you've started to build. Intriguing, isn't it?

Asset-Based Lending Demystified

So what's the buzz about asset-based loans? Think of them as your financial Swiss Army knife — versatile, efficient, and surprisingly powerful. By putting your assets to work — be it inventory, real estate, or even accounts receivable — you're not just borrowing; you're orchestrating a strategic move. It's about taking control of your resources and showing the world that your assets are more than static figures on a balance sheet.

Walking in Your Shoes

We get it. The path to finding funds can be strewn with 'no's and 'not possible's. Asset-based lending stretches out a hand when others might turn their backs. It's for the dreamers, the doers, the steadfast believers in their business who just need someone to take a chance on them. Your assets become your advocates, speaking volumes about your potential when mere words and numbers fall short.

Crafting a Narrative Around Your Assets

Here's a thought — every asset has a story, a history of hard work and smart decisions. When you opt for an asset-based loan, you're not just presenting collateral; you're narrating the saga of your success and your aspirations. It's personal. It's real. And that's exactly what makes it so compelling. This is a loan that understands the sweat that goes into building something worthwhile.

A Loan that Listens

Tired of ticking boxes and fitting into pre-cut molds? Asset-based loans aren't about fitting into a standard profile. They're about looking beyond the credit scores and the financial statements to the core of what you've built. It's finance that listens, adapts, and aligns with your circumstances, offering you a tailor-made solution that acknowledges your individuality. Imagine a world where your assets set you free. Where they unlock not doors, but horizons — offering you the means to chase after the ventures and victories that seemed just out of reach. With asset-based loans, it's not just about getting by; it's about getting ahead. No more 'cookie-cutter' financial products, but a tool that adapts to the ebb and flow of your business life.

Your Journey Begins Here

Now, it's over to you. Picture your assets as the protagonists of your next chapter, and the form below as the gateway. Fill it out, step through, and let's venture into this landscape together. It's not just a loan — it's a leap towards the future you've been envisioning. Your assets, your story, our expertise — it's a potent combination, ready to set the wheels of fortune spinning.

Your Path to Homeownership Begins Here.

Get a Free Quote

Questions? Answered

What are Asset-Based Loans (Also Known as Asset Depletion)? Expand
Asset-Based Loans, also referred to as Asset Depletion loans, are mortgage solutions where borrowers leverage their existing assets as proof of income. These assets include investments like stocks, bonds, and retirement accounts, offering an alternative route to traditional income verification.
Who Should Consider Asset-Based Loans? Expand
Asset-Based Loans are particularly suitable for high-net-worth individuals who may not have a regular income stream but possess substantial assets. Retirees, investors, and self-employed individuals often find these loans beneficial for leveraging their asset wealth in property investments.
What Types of Assets Can Be Used for Asset-Based Loans? Expand
A diverse range of assets can qualify for Asset-Based Loans. These include liquid assets like savings and checking accounts, investment accounts, stocks, bonds, mutual funds, and retirement accounts. The key is the liquidity and value of these assets to secure the loan.
Are There Any Special Considerations for Asset-Based Loans? Expand
When opting for Asset-Based Loans, it's crucial to consider factors like loan-to-value ratios, interest rates, and the terms of depleting assets over the loan period. These loans require careful financial planning to ensure that the asset depletion aligns with the borrower's long-term financial goals.
How Does the Loan Process for Asset-Based Loans Differ from Traditional Mortgages? Expand
The loan process for Asset-Based Loans emphasizes asset verification over traditional income documentation. Borrowers need to provide detailed documentation of their assets, including statements and valuation reports, to establish their financial standing and loan eligibility.
Can Asset-Based Loans Be Combined with Other Mortgage Products? Expand
Yes, Asset-Based Loans can often be combined with other mortgage products to create a tailored financing solution. For instance, they can be paired with interest-only loans or adjustable-rate mortgages, providing flexibility and customization to fit unique financial situations.