The Process
From Application to Funding in Days
We've eliminated the complexity of traditional lending. No bank committees, no income documentation, no months of waiting. Just a clear, asset-driven process that moves at the speed your situation demands.
Asset-Based Lending, Simplified
Traditional lenders evaluate your income, employment history, and credit score. We evaluate what you own. If you hold real value in real estate, vehicles, valuables, or investment accounts, you may qualify for a loan — regardless of your income or credit profile.
Our process is designed for clarity and speed. Every step has a defined timeline, a dedicated point of contact, and a straightforward outcome. We believe borrowers deserve to know exactly where they stand at every stage.
Typical Timeline
Submit Your Asset Information
Asset Review & Valuation
Receive Your Loan Offer
Underwriting & Documentation
Close & Receive Funds
Submit Your Asset Information
Begin by completing our brief online inquiry form. Tell us about the assets you'd like to use as collateral — property addresses, vehicle details, valuables, or account statements. No lengthy application, no credit pull at this stage.
- Complete the online inquiry form in under 10 minutes
- Provide basic asset information and estimated values
- No credit check at this stage
- A loan officer will contact you within 2 business hours
Asset Review & Valuation
Our underwriting team conducts a thorough review of your collateral. For real estate, we order a third-party appraisal or BPO. For personal assets, we work with certified appraisers and market data to establish fair value quickly.
- Independent third-party appraisal or valuation
- Real estate, vehicles, art, jewelry, and portfolios accepted
- Transparent LTV calculation shared with you upfront
- No income verification or employment documentation required
Receive Your Loan Offer
Once valuation is complete, we issue a formal loan offer detailing the loan amount, interest rate, term, and repayment structure. Everything is presented in plain language — no fine print surprises. You have full time to review before committing.
- Written loan offer with all terms clearly stated
- No obligation to accept — review at your own pace
- Dedicated loan officer available to answer questions
- Offer valid for 10 business days
Underwriting & Documentation
Upon acceptance, our team prepares the loan documents and coordinates any remaining due diligence. We handle the title search, lien verification, and collateral documentation. You'll receive a clear checklist of what's needed from you — typically minimal.
- Title search and lien verification handled by our team
- Clear document checklist — no surprises
- Electronic signing available for most documents
- Dedicated closing coordinator assigned to your file
Close & Receive Funds
Once documents are signed and collateral is secured, we fund. Proceeds are wired directly to your designated account — typically within 24 hours of closing. Most loans close within 7 to 14 business days from initial inquiry.
- Wire transfer to your account within 24 hours of closing
- Most loans close in 7–14 business days
- Bridge and personal asset loans can close in as few as 3 days
- Post-closing support team available for the life of the loan
Common Questions
What Borrowers Ask Before They Apply
Do I need good credit to qualify?
No. Our loans are asset-based, meaning your collateral — not your credit score — determines your eligibility. We do not require a minimum credit score and do not perform a hard credit pull during the initial inquiry.
What types of assets do you accept?
We accept a wide range of collateral including residential and commercial real estate, luxury vehicles, fine art, jewelry, watches, and diversified investment or brokerage accounts. Contact us if you're unsure whether your asset qualifies.
How fast can I receive funds?
Most loans close within 7 to 14 business days. Bridge loans and personal asset loans can close in as few as 3 business days when documentation is in order. We move as fast as your situation requires.
Is there a prepayment penalty?
Prepayment terms vary by loan program. Many of our programs offer no prepayment penalty after a defined hold period. Your loan officer will outline the specific terms in your written offer.
What happens if I can't repay the loan?
As with any secured loan, failure to repay may result in the lender exercising its rights against the collateral. We encourage all borrowers to have a clear repayment or exit strategy before closing. Our loan officers will discuss this with you during the review process.
Ready to Begin?
Submit your asset information today. A loan officer will review your situation and respond within 2 business hours.