Asset Based Loans

Starting As Low As X.XX% / X.XX% APR*

When you need quick business funding for a time-sensitive deal, standard bank processes are often too slow and restrictive. Asset-based loans, also known as private money second mortgages, deliver short-term financing on expedited timelines. Secured by real estate, these loans are designed to provide fast funding when you need it most.

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Want to Fast-Track Your Urgent Funding?

At Equinox Home Financing, we specialize in helping real estate investors and business owners access fast capital using asset-based loans with rapid closing times.

Program Features

Fast access to cash for urgent or time-sensitive needs
Approval based on property equity, not income or tax returns
Streamlined underwriting with minimal documentation
Flexible short-term structure for bridge loans or emergency use
Second mortgage structure that preserves your first loan

Using real estate as collateral, these private money loans are built for situations where speed is crucial. They’re often used for closing deadlines, emergency repairs, or temporary cash flow gaps.

Useful in urgent situations, this quick business funding is a strategic tool for short-term use, offering near-immediate liquidity to keep your investments moving forward.

These private money solutions are typically used in conjunction with real estate investment loans, serving as a fast alternative to traditional commercial bank loans when timing is critical.

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How It Works

Call or Apply Online

Connect with one of our advisors to share basic property information and your specific funding needs. We’ll focus on the asset and the urgency, not your personal income or tax information.

Get Approved

We do a swift review of the collateral property’s value and available equity. Credit issues are often acceptable, and we may use expedited valuation methods to speed up the process.

Close and Fund

Once approved, the loan closes as a private second mortgage – typically in less than ten days. This short-term bridge loan structure provides immediate liquidity until you secure a longer-term financing solution.

Equinox Makes Asset-Based Financing Easy

We have deep expertise in helping investors secure fast, equity-based funding when timely action is critical. You’ll partner with an advisor specializing in private money lending, lien structures, and real-world investment timelines.

Why Choose an Asset Based Loan?

Specialization in asset-based loans and hard money loans
Flexibility with documentation and credit requirements
Ability to move quickly in urgent and time-sensitive situations
Variety of investment property loans beyond bank options
Expert support before, during, and after the loan

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We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we’ve helped thousands of borrowers purchase and refinance homes using some of the industry’s most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Answers to Your Questions

What Is an Asset-Based Loan or Private Money Second Mortgage?

Also called a private money loan or hard money loan, it is a private second mortgage secured by the equity in your property.

A short-term financing solution, commonly 6–24 months
Approval and loan amount based on your property’s value
Typically used for business purposes only

As a second mortgage placed behind your existing first mortgage, this program allows you to keep your current low rate without refinancing your primary loan.

How Is This Different from a HELOC?

An asset-based loan is built for speed and flexibility that’s not matched by HELOCs.

Much faster closing times
Approval is often less strict regarding credit scores and credit histories
Often requires no tax returns or employment documentation
Lump-sum disbursement vs. a HELOC’s revolving credit line

Because they offer expediency with fewer approval hurdles, asset-based loans commonly have higher interest rates compared to HELOCs.

How Fast Can These Loans Close, and What's Required?

Many private money loans can close in 7–10 days. Some accelerated scenarios can move faster than this, and closings that take more than two weeks are uncommon.

Requirements typically include:

Basic property details and proof of equity
Expedited property appraisal or alternative valuation method
Credit checks may not be run in many cases
Focus on the asset’s value rather than your credit score

How Can I Use the Funds from This Loan?

You have flexible options for deploying your capital to grow your portfolio.

You may be able to:

Cover renovation costs to increase a property’s rental value
Consolidate investment-related business debt
Build cash reserves for vacancies or investment opportunities

What Are the Typical Terms and Trade-Offs?

Terms are often:

Short-term structure, commonly 6–24 months
Interest-only monthly payments that don’t reduce the principal
Balloon payment due at the end of the term

Trade-offs can include:

Higher interest rates than traditional loans
Upfront costs such as origination and appraisal fees
Repayment pressure that requires a solid exit strategy

When Does a Private Money Second Mortgage Make Sense?

Common short-term scenarios include:

Securing a new investment deal quickly
Funding urgent repairs or renovations
Bridging a gap until long-term financing is in place
Meeting a strict purchase or refinance deadline
Financing properties that don’t qualify for traditional bank loans

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What Are You Waiting For?

Call us today. A licensed representative is on standby to help you with your financing needs. There’s no need to wait any longer. Get financing now!

Call 1-888-505-8960

*Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 7/9/25 and is based on a 8 unit multi-family property, 1.25% DSCR, 50% LTV, Purchase Loan, 800 FICO score.