When it comes to securing financing for real estate ventures, traditional lenders often rely heavily on a borrower’s credit score. However, as a collateral lender, our approach is different. We focus on the asset rather than the borrower. Our lending decisions are based on a carefully considered exit plan, ensuring that the asset’s value will adequately cover the loan amount.

What is Collateral Lending?

Collateral lending is a form of secured financing where the loan is backed by a valuable asset—such as real estate property. Our goal is to determine if the property’s sale value can effectively repay the loan, whether through selling the asset or refinancing. This approach allows us to take a more hands-off approach to the borrower’s creditworthiness and instead focus on the asset’s potential.

The 3 C’s of Collateral Lending:

1. Collateral: We carefully evaluate the property’s market value and consider its potential to cover the loan amount. This ensures that we have adequate security in place.
2. Cash: We want to make sure borrowers have enough cash on hand to complete the project or fund the necessary expenses. This is a critical factor in ensuring the project’s success and timely repayment of the loan.
3. Character: We believe that good character is as important as financial stability. We look for clients who are committed to their projects and demonstrate a responsible approach to real estate investing.

Why We Don’t Rely on Credit Scores

Unlike traditional lenders, we do not rely on credit checks to make underwriting decisions. Our priority is the asset’s value and the borrower’s ability to execute a solid exit strategy. Whether the goal is to sell the asset or refinance, we give our clients the flexibility to try refinancing if necessary before resorting to a sale.

Serving Utah, Washington, and Hawaii

We specialize in collateral-based lending solutions tailored to the needs of real estate investors in Utah, Washington, and Hawaii. Our approach provides clients with a transparent, straightforward process, giving them the tools they need to succeed in their investments across multiple states.

Get Started Today!

If these terms sound like a good fit for your real estate investment needs, we invite you to contact our team. We’re here to guide you through the lending process and help you achieve your real estate goals in Utah, Washington, and Hawaii. Reach out today to get your loans underway!

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