Commercial
Asset Based Lending in Scottsdale, AZ
Looking for the best Asset Based Lending in Scottsdale, AZ? Our local team specializes in helping Scottsdale residents secure competitive financing. Whether you're buying in Old Town or DC Ranch, we have the expertise to guide you.
Key Facts About Asset Based Lending
CMRE Asset Based Lending ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Asset Based Lending.
CMRE Asset Based Lending closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Asset Based Lending ranges $250K to $50M.
CMRE commercial bank statement programs for Asset Based Lending.
CMRE Asset Based Lending closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
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.
Asset Based Lending in Scottsdale: The Complete Guide
What Is Asset Based Lending?
Asset Based Lending (ABL) is a financing solution where the loan is secured by the borrower's assets. Unlike traditional loans that rely heavily on income verification and credit scores, ABL places greater emphasis on the value and liquidity of the assets being pledged as collateral. This makes it an attractive option for businesses with substantial assets but may face challenges in demonstrating consistent income or have lower credit scores. ABL allows businesses to unlock capital tied up in their assets for growth, acquisitions, or working capital.
Qualifying for Asset Based Lending
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Asset Based Lending vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Asset Based Lending with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Asset Based Lending in Scottsdale, AZ
Luxury home financing in Scottsdale. Jumbo loans, second home financing, and investment property loans. Custom Mortgage & Real Estate specializes in providing high-fidelity Asset Based Lending solutions tailored to the unique economic landscape of Scottsdale and the surrounding Maricopa County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireScottsdale metropolitan area.
Service Areas & Neighborhoods
Our Scottsdale Presence
Local Knowledge. Global Rates.
7047 E Greenway Pkwy
Scottsdale, AZ 85254
Direct Line
877-976-5669Common Questions About Asset Based Lending in Scottsdale
What are current Asset Based Lending rates in Scottsdale, AZ?
Asset Based Lending rates in Scottsdale depend on loan amount, credit profile, and property type. CMRE publishes updated Scottsdale rate ranges daily and provides locked quotes within 24 hours of application.
How long does Asset Based Lending closing take in Scottsdale?
CMRE typically closes Asset Based Lending loans in Scottsdale within 21-30 days from application. Pre-approval takes 24 hours, and our AZ-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Scottsdale?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Scottsdale and throughout Maricopa County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Scottsdale?
Yes. CMRE is an SBA Preferred Lender in Scottsdale. We offer SBA 7(a), 504, and Express loans for Maricopa County business owners purchasing or refinancing commercial real estate.
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.
CMRE Asset Based Lending starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
30-60 days depending on complexity. SBA: 45-90 days.
Asset Based Lending by Location
Get local rates, loan limits, and market data for Asset Based Lending in your area.
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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."
