Loan Programs
Lending Built Around What You Own
We evaluate your assets — not your income history. Ironclad Capital offers flexible, fast-closing loan programs for individuals who hold real value in real property, vehicles, valuables, and investment portfolios.
Unlock the equity in your property without selling.
Real Estate Equity Loans
Our real estate equity loans allow you to leverage the value of residential or commercial property to access capital quickly. Whether you need liquidity for a business opportunity, personal expense, or debt consolidation, we move fast and close with certainty.
Eligibility
- Residential or commercial real property as collateral
- Minimum property value of $100,000
- Clear title or existing equity position
- No minimum credit score required
Program Terms
Real Estate Equity Loans
Short-term capital to bridge your next move.
Bridge Loans
Bridge loans provide immediate liquidity when timing is critical. Ideal for borrowers who need to close on a new asset before an existing one sells, or who need capital while longer-term financing is arranged. We close fast so you never miss an opportunity.
Eligibility
- Real property, portfolio, or high-value asset as collateral
- Defined exit strategy (sale, refinance, or liquidation)
- Minimum loan amount of $100,000
- No income verification required
Program Terms
Bridge Loans
Borrow against what you own — vehicles, art, jewelry, and more.
Asset-Secured Personal Loans
Our asset-secured personal loans are designed for individuals who hold significant value in non-real-estate assets. We accept a wide range of collateral including luxury vehicles, fine art, jewelry, watches, and investment accounts. Fast approvals, no income documentation.
Eligibility
- Luxury vehicles, fine art, jewelry, or watches
- Investment or brokerage accounts
- Minimum asset value of $40,000
- No credit check or income verification
Program Terms
Asset-Secured Personal Loans
Leverage your portfolio without liquidating positions.
Investment Portfolio Loans
Preserve your investment strategy while accessing the capital you need. We lend against diversified investment portfolios, brokerage accounts, and retirement assets, allowing you to maintain market exposure while unlocking liquidity.
Eligibility
- Diversified brokerage or investment accounts
- Minimum portfolio value of $75,000
- Stocks, bonds, ETFs, and mutual funds accepted
- No liquidation of positions required
Program Terms
Investment Portfolio Loans
Compare Programs at a Glance
| Program | Loan Range | Max LTV | Term | Closing Time |
|---|---|---|---|---|
| Real Estate Equity | $50K – $5M | 70% | 6–36 Mo. | 7–14 Days |
| Bridge Loans | $100K – $10M | 65% | 3–24 Mo. | 5–10 Days |
| Asset-Secured Personal | $25K – $2M | 60% | 3–18 Mo. | 3–7 Days |
| Portfolio Loans | $50K – $3M | 55% | 6–24 Mo. | 5–10 Days |
Not Sure Which Program Fits?
Speak with one of our loan officers. We'll evaluate your assets and match you with the right program — no obligation, no pressure.