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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?
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
- Fast Approvals & Funding
- Focus on Collateral, Not Credit
- Flexible Loan Terms
- Ideal for Real Estate Investors
- Access Capital When Banks Say No
- Use a Wide Range of Collateral
- Keep Projects Moving
Frequently Asked Questions
Many loans close in as little as 5–10 business days, depending on asset type and documentation.
We accept a variety of assets, including residential and commercial real estate, land, and other high-value assets.
Terms typically range from 6 months to 2 years, perfect for short-term investment strategies.
No — hard money loans focus primarily on the value of your collateral, not credit history.
Rates are higher than conventional loans due to flexibility and speed, but structured to maximize your investment potential.
Complete the Quick Quote Form below or call to speak with a New Century Mortgages specialist today.
Investment Loan Programs
Flexible financing solutions built specifically for real estate investors
DSCR Loans
Qualify based on property cash flow, not personal income. No minimum DSCR required. 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.
New Construction
Ground-up construction financing for experienced builders. Build to rent or build to sell. Competitive terms for infill development.
Hard Money / Asset Based
Loan decisions based on property value, not credit. Construction draws in 4 days. Quick approvals for time-sensitive deals.
Portfolio Loans
Consolidate 5+ rental properties into one loan. Single payment, better cash flow. Lower rates and origination fees.
