Loan Programs

Asset-Based Loans

Asset-Based Lending: Financing Built Around Your Balance Sheet (No Liquidation Requirements)

Asset-Based Lending: Financing Built Around Your Balance Sheet (No Liquidation Requirements)

For many entrepreneurs, investors, and high-net-worth individuals, traditional income documentation doesn’t always reflect their true financial strength. Asset-based lending allows you to qualify for financing using your verifiable assets rather than relying solely on tax returns or traditional income calculations.

These programs are designed for borrowers whose wealth is held in investments, retirement accounts, or liquid reserves—and there is no requirement to liquidate your assets in order to qualify.

How It Works

Instead of focusing strictly on income, qualification is based on the strength and stability of your financial assets. In many cases, assets can be used alongside traditional income or on their own to support qualification.

Eligible assets may include:

  • Checking accounts

  • Savings accounts

  • Money market accounts

  • Certificates of deposit (CDs)

  • U.S. savings bonds

  • Stocks and publicly traded equities

  • Mutual funds and bond funds

  • Retirement accounts such as 401(k)s

  • Individual retirement accounts (IRAs)

  • IRA-only qualification programs

  • Cryptocurrency holdings

This approach can be particularly helpful for entrepreneurs, investors, and individuals who maintain significant liquidity but prefer to keep their investment strategy intact.

Common Scenarios

  • Entrepreneurs who keep income low for tax planning purposes

  • Business owners following a liquidity event or company sale

  • Investors whose wealth is primarily held in financial markets

  • Individuals transitioning into retirement with strong asset reserves

  • High-net-worth borrowers with complex income structures

  • Clients with significant retirement assets but limited current income

  • Clients who prefer not to disrupt long-term investment strategies

  • Professionals between ventures or preparing for their next opportunity

By leveraging your assets instead of forcing traditional income documentation, we can structure financing solutions that align with your broader financial strategy.

Let's Discuss Your Loan Options

We can provide a loan catered to your needs. Talk to one of our Mortgage Experts today.

© 2025 Trust Mortgage LLC. Trust Mortgage LLC is a mortgage broker, NMLS#2491461, 2530 S Rochester Rd, Rochester Hills, MI 48307. Loans are arranged through third-party lenders. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and program availability. Terms and conditions apply.

NMLS Consumer Access – https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2491461

© 2026 Lloyd Lending Team. All rights reserved.