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.
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?
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- 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 Lending, 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
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 Lending specialist today.
Loan Programs
DSCR Loans
Qualify on the property's cash flow, not your tax returns. No personal income documentation. Up to 80% LTV. 30-year fixed, ARM, and interest-only options. Vesting in LLC, LP, or personal name accepted. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
Portfolio Loans
Consolidate five or more rental properties into a single loan. One payment, one closing, one set of conditions. Lower rates and origination fees than financing each property separately.
Hard Money / Asset Based
Loan decisions made on the property, not the credit report. Pure asset-based underwriting with rapid close. For time-sensitive acquisitions and complex situations. Rates from 8.5%.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add financing. Bridge-to-perm structures available. Loan amounts from $250,000 to $25,000,000+.