Private lenders like Actium Lending are known for greater flexibility than traditional lenders, especially when it comes to structuring real estate loans. That flexibility plays out in several ways. From loan terms to timelines, but one area worth highlighting is collateral flexibility within real estate.

At Actium Lending, all our loans are secured by real estate collateral only. We do not accept other forms of collateral. However, we offer flexibility in the types of real estate we can consider, ranging from commercial buildings to investment properties and land, as long as the property is not an owner-occupied primary residence.

Why Real Estate Is the Standard

We specialize in real estate-backed lending because real estate has consistent, intrinsic value. Even with fluctuations in the market, real estate remains a highly sought-after asset with a clear path to liquidation. This makes it a preferred form of collateral for both borrower and lender.

Real estate investors, our typical clients, often use the properties they are purchasing as collateral. In other cases, they may use existing holdings to secure financing. Either way, we’re equipped to assess the value and structure the loan accordingly.

Flexible Within the Real Estate Spectrum

While we don’t accept non-property assets, we are flexible within the real estate category. Whether you’re securing the loan with a single property or multiple real estate holdings, we can tailor a solution that fits the scenario.

A great example of this involved a client who needed a bridge loan to buy a new rental property before selling another. He offered both properties as collateral. The combined value met our underwriting requirements, allowing him to close on the new property without delay. Once his existing property sold, the proceeds were used to repay the loan.

This kind of flexibility is a hallmark of our process. Something traditional lenders often can’t match.

The Bottom Line on Collateral

As a borrower, the real estate you offer as collateral is everything. The better you understand the value of your property, the more prepared you’ll be to move quickly and efficiently through the approval process.

At Actium Lending, we evaluate every real estate deal on its own merits. If the collateral aligns with our lending guidelines and has sufficient value, we can move fast and fund with confidence.