Asset-Based > Income-Based — black belt capital

What if I don’t earn enough on my tax returns? How can I use these programs to my advantage?

An underperforming economy often results in financial instability, leaving many people with poor credit, jumbled tax returns, and insufficient funds. These factors can make it very difficult for your average investor to acquire equity financing, especially through traditional banking. More and more investors are finding themselves out of options and are forced to seek out alternative methods of financing. Our asset-based loan options can help.

Unlike traditional banks (BofA, Wells Fargo, Citi, etc.), asset-based lenders are offering both seasoned investors, as well as new investors, a chance to invest their money into cash-flowing properties. When a property cash flows sufficiently, there is no need fir proof of employment, income verification, or debt-to-income analysis, hence the term “No-Doc.”

This has been a breakthrough in the industry and financially benefiting borrowers with both residential and commercial financing. Not only has been recognized by investors, brokers, and loan originators, but even the Scotsman Guide, a trusted mortgage magazine, has been highlighting the benefits of how easy it is to get qualified for a loan. More and more investors are turning over to this savvy method due to fast closing times and ease of use. Faster access to financing leads to more opportunity, thus more deals.

If you’re a current investor and have gone through the hoops of conventional financing, then chances are, you’re well aware of how time-consuming, tedious and scrutinizing the approval process can be. The approach that asset-based lenders take are far more in line with the way investors think than that of their conventional counterparts. Moreover, because of the shorter turn times for qualification and closing, it often makes more “cents.”

Asset-based financing (sometimes referred to as “stated income") offer investors the chance to maximize opportunity and multiply their wealth. The same opportunities are available for those who are just starting out as well as those who are experienced investors. Thanks to this alternative form of financing, individuals across the globe have the opportunity to invest in commercial real estate and grow their fortune, finally being able to call themselves "investors."

Contact one of our loan experts and find out what rates and terms you’d be eligible for.