Commercial
Asset Based Lending
Unlock the potential of your assets with CMRE's Asset Based Lending program. This commercial loan option allows you to leverage your existing assets to secure funding for your business ventures, even if traditional income verification is challenging. Get started with competitive rates, starting at 8.5%, and flexible terms tailored to your unique financial situation.
Program Benefits
Leverage existing assets for loan approval.
Ideal for entrepreneurs and self-employed individuals.
Competitive interest rates, starting at 8.5%.
Flexible loan terms to suit your business needs.
Streamlined application and approval process.
Expand your business or invest in new opportunities.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Industrial Properties
- Mixed-Use Properties
Program Requirements
Income Documentation
- •Alternative income documentation accepted.
- •Focus on asset valuation and cash flow analysis.
- •Business financial statements may be required.
Asset Verification
- •Acceptable assets include real estate, equipment, and inventory.
- •Assets must be appraised by a qualified professional.
- •Clear title and ownership of assets required.
- •Minimum asset value requirements apply.
Insurance & Title
- •Property insurance required for real estate assets.
- •Liability insurance may be required.
- •Hazard insurance to cover potential damages.
Property Requirements
- •Minimum FICO score of 640 required.
- •Review of credit history for adverse items.
- •Stronger credit profiles may qualify for better rates.
- •Consideration given to overall financial strength.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Common assets include real estate, accounts receivable, inventory, equipment, and machinery. The suitability of an asset depends on its market value, liquidity, and ease of valuation.
Typically, Asset Based Lending may have slightly higher interest rates compared to traditional loans, reflecting the increased risk assumed by the lender due to the alternative lending criteria. However, the benefits of accessing capital that would otherwise be unavailable often outweigh the higher cost.
Loan terms vary depending on the type of asset being used as collateral and the borrower's specific needs. Terms can range from a few months to several years, with shorter terms often associated with asset-backed lines of credit and longer terms for real estate-backed loans.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
