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Equity and Asset-Based

Your equity is the
qualification.

Equity-based lending, asset-based funding, and foreclosure relief. We lend on what your property is worth — not where your credit score is right now.

No FICO floor
Response in 24 hours
Residential and commercial
Equity products

When traditional lenders say no,
we look at the full picture.

Equity Lending

Equity-Based Loans

If you have equity in your property, we can structure a loan around it — regardless of your credit score, income documentation, or employment status. The asset qualifies, not the file.

  • No credit score minimum
  • Self-employed and non-QM OK
  • Residential and commercial
  • Fast closing — days not months
Apply now →
Asset-Based

Asset-Based Funding

Use your real estate, equipment, receivables, or other assets as collateral. Flexible underwriting that looks beyond your credit file to what you actually own.

  • Real estate collateral
  • Business asset collateral
  • No income verification required
  • Competitive rates for qualified assets
Apply now →
Foreclosure Relief

Foreclosure Intervention

If you have equity in your home and are facing foreclosure, there is still time. We move fast — sometimes within days — to stop sale dates and structure a solution around your equity.

  • Stop the foreclosure sale date
  • Active NOD and sale dates considered
  • Bankruptcy and low FICO OK
  • Residential and commercial properties
Start your case →
Second Mortgage

Second Mortgage and HELOC Alternative

Access equity without refinancing your first mortgage. Second position direct lending for homeowners and investors who need capital without disturbing their existing loan.

  • Keep your existing first mortgage
  • Access equity in 2nd position
  • Flexible terms and structure
  • Residential and commercial
Apply now →
150+
Funding partners nationwide
24hr
Free case review turnaround
1,000+
Clients assisted since 2008
$1B+
Funding volume
Start Your Free Review
No credit pull · Confidential · Response within 24 hours · No obligation
Your information stays private. We never sell your data.
Frequently Asked Questions

Common questions.

Can you really help if I'm already in foreclosure?
Yes. If you have meaningful equity in your property, we can often intervene — even with an active notice of default or a sale date already scheduled. Time is critical. Call us immediately at (714) 986-4792 and we will prioritize your case.
Do I need good credit to qualify for an equity loan?
No. Our equity-based loans use your property value as the primary qualification — not your credit score. Clients with bankruptcy, low FICO, missed payments, and non-traditional income all regularly qualify.
How much equity do I need to qualify?
Generally we look for at least 30–35% equity in the property, though this varies based on the specific loan structure, property type, and your situation. The free case review will tell you exactly where you stand.
How fast can you close an equity loan?
For urgent foreclosure situations, we move as fast as possible — sometimes within days. Standard equity loans typically close in 1–2 weeks. After your free case review, we'll give you a realistic timeline.