Asset-Based Loans
Financing sized primarily against the value and quality of the underlying asset, with emphasis on collateral and exit.
Program parameters are confirmed for your scenario. Nothing here is an approval or commitment to lend.
Asset-based lending sizes the loan against the collateral rather than against a conventional income file. That makes it useful for situations where the asset is strong but the documentation or timing is unusual.
Because the asset is the anchor, valuation, condition, marketability, and exit matter enormously. The lender's view of value — not the asking price — drives the structure.
Asset-based structures are often transitional. Plan the permanent solution alongside the initial financing.
Who may find it useful
- Investors with significant equity in a property
- Situations requiring capital outside a conventional income file
- Transitional or time-sensitive transactions
- Owners of non-standard or mixed-use property
Typical financing goals
- Access capital against a strong asset
- Bridge to a permanent structure
- Finance a property whose income documentation is complex
Key considerations
- Loan sizing is driven by collateral value and lender valuation
- Terms and costs reflect the asset-focused structure
- A clear exit plan is usually expected
- Property type and condition strongly affect eligibility
Information to gather
- Property details, condition, and current valuation support
- Existing debt and lien information
- Your exit or permanent financing plan
- Entity and ownership documentation
Frequently asked
Thinking about asset-based loans?
Share the property and your goal. We will confirm what may be available and what the file would need.
Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.