Fast, Flexible Financing

Backed by Your Assets

Get fast capital using your property or assets as collateral.

Access the capital you need quickly and efficiently by leveraging your property or other valuable assets as collateral, so you can move forward with investments, acquisitions, or time-sensitive opportunities without being slowed down by traditional lending requirements.

Start Your Application

Hard Money

What is a
Hard Money/Asset-Based Loan?

A hard money loan (also called an asset-based loan) is short-term financing secured primarily by real estate or other valuable assets.
Unlike traditional mortgages, these loans focus on the value of your collateral, not your credit score or income.

Why choose hard money financing?

- Close deals faster than traditional lenders
- Fund fix-and-flip projects, short-term investments, or distressed properties
- Use existing assets like real estate, equipment, or business equity as collateral

At New Century Mortgages, our hard money solutions are designed for speed, flexibility, and real-world investor needs.

Quick Benefits


Flexible Draw Schedules

One-Time Close Options

Competitive Interest Rates

Build Equity from Day One

Tailored for Builders and Investors

Personalized Guidance

Start Your Application

Frequently Asked Questions

How fast can I get funding?

Many loans close in as little as 5–10 business days, depending on asset type and documentation.

What collateral can I use?

We accept a variety of assets, including residential and commercial real estate, land, and other high-value assets.

How long are these loans?

Terms typically range from 6 months to 2 years, perfect for short-term investment strategies.

Do I need perfect credit?

No — hard money loans focus primarily on the value of your collateral, not credit history.

What are interest rates like?

Rates are higher than conventional loans due to flexibility and speed, but structured to maximize your investment potential.

How do I get started?

Complete the Quick Quote Form below or call to speak with a New Century Mortgages specialist today.

Loan Programs

Our Loan Programs

New Century Mortgages offers a full suite of asset-based lending solutions for serious real estate investors. Whether you're holding, flipping, or bridging to your next deal, we have capital ready to deploy.