Asset-based lending is the financing model that serious Arizona real estate investors rely on when speed, flexibility, and deal certainty matter more than a bank’s approval timeline. Unlike conventional loans — which evaluate your income, employment history, and debt-to-income ratio — asset-based loans are secured by the investment property itself.
At Prime Plus Mortgages, asset-based lending is what we do. We lend to Arizona real estate investors across Phoenix, Scottsdale, Tucson, and every market in between, with same-day approval, rates starting at 10.99%, and up to 90% LTV on qualifying deals.
WHO ASSET-BASED LENDING IS DESIGNED FOR
Fix and Flip Investors
Fix and flip investing runs on timing. You find the deal, you need to close fast, and a 30–45 day bank approval process kills the opportunity. Asset-based lending solves that. We evaluate your deal on the after-repair value (ARV) of the property and the strength of your exit strategy.
Whether you’re on your first flip or your fifteenth, if the numbers work on the property, we can fund it. Our same-day approval and 48-hour funding give you the execution speed to compete with all-cash buyers and close deals that conventional financing simply can’t reach.
First-Time Real Estate Investors
One of the biggest misconceptions about hard money lending is that it’s only for experienced investors. It isn’t. Asset-based lending is particularly well-suited for first-time investors precisely because approval doesn’t depend on your investment track record. It depends on the deal.
If you’ve identified a property with strong ARV, a clear renovation scope, and a viable exit (sale or refinance), Prime Plus Mortgages can get you funded. We work with first-time investors throughout Arizona and we’re straightforward about what we need from you: a solid deal, a realistic budget, and a clear plan.
| Our Arizona Asset-Based Lending Loan Terms | |
|---|---|
| Loan Types | Fix & Flip, Bridge, Rental, Rehab |
| Rates From | 10.99% |
| Max LTV | Up to 90% |
| Approval Speed | Same day |
| Income Verification | None |
| Property Types | Investment only — no owner-occupied |
| Service Area | Statewide Arizona |
HOW THE PROCESS WORKS
Ready to get started?
Apply now or call 480-923-7602 to speak with a loan expert today.
FREQUENTLY ASKED QUESTIONS About ASSET-BASED LENDING
What is the difference between asset-based lending and a conventional mortgage?
A conventional mortgage is approved based on your personal income, credit score, and debt-to-income ratio. Asset-based lending is approved based on the value of the investment property, not your personal financial profile. This makes asset-based loans significantly faster to approve and more accessible to self-employed investors and LLCs.
Do I need real estate investing experience to qualify?
No. Prime Plus Mortgages works with first-time and experienced investors alike. We evaluate the deal — the property value, the ARV, and the exit strategy — not your investment history.
What is the maximum loan-to-value for an asset-based loan?
We lend up to 90% LTV on qualifying investment properties throughout Arizona, with rates starting at 10.99%.
How fast can I get funded with an asset-based loan in Arizona?
Prime Plus Mortgages offers same-day approval on qualifying Arizona investment properties.
Can I use an asset-based loan to buy a rental property?
Yes. Asset-based loans work for fix and flip, bridge, rental acquisition, and rehab projects on non-owner-occupied investment properties across Arizona.
