If you are new to Actium Lending, we invite you to spend some time looking over our website. Pay close attention to the ‘Case Studies’ section. It highlights some needs for which Actium Lending has been approached. You will see a common thread in each of the cases: lending backed by real estate.

As private lenders, real estate is especially important to us. It is one of the most effective forms of collateral borrowers can utilize when they come to us for bridge loans or hard money. Real estate is tangible. It has intrinsic value. Borrowers use it as collateral because it makes private lenders comfortable about their risk.

Most of the loans we make are backed by real estate. A typical borrower is a property investor looking at either a bridge or hard money loan to close a deal on time. The property being acquired acts as collateral on the loan. However, this sort of scenario isn’t set in stone.

We Lend for Other Purposes

It is true that most of our loans are designed to help investors obtain new properties. But we lend for other reasons, too. As an example, one of the case studies you will find here on our website relates to a client who needed access to quick cash to make payroll. Apparently, one of the client’s customers was late making payment, and the client had planned on that payment covering payroll.

We loaned the client the money he needed so that he could take care of his employees. He offered property as collateral on the loan. Meanwhile, he was able to pursue payment from his customer and ultimately satisfy the loan.

The one thing that made all this possible was the client’s property. It had the value we were looking for to cover the cost of the loan and our risk. In the end, the client could access cash quickly. He was able to take care of his employees. This is the sort of thing Actium lenders get excited about.

We Offer Asset-Based Lending

One of the things that makes us different is that we offer asset-based lending. Traditional lenders write loans based on a borrower’s perceived ability to repay. But we look at the value of the assets offered as collateral. In nearly every case, that asset is real estate.

Real estate values are more important to us than a perceived ability to repay. So if you are in need of quick cash for business or investment purposes, ask yourself if you have valuable real estate that could act as collateral on a hard money or bridge loan.

Offering asset-based lending gives us the opportunity to work quickly. And in fact, speed is another hallmark of private lending. Most of the loans we make are arranged in a matter of days. It does not take us months to approve and underwrite. Why? Because our process is different.

Borrowing Doesn’t Have to Be a Negative Thing

We know that traditional lending can be a negative thing. It can be time consuming and stressful. At Actium Lending, we are committed to doing things differently. We believe borrowing doesn’t have to be a negative thing.

We invite you to learn more about our hard money and bridge loans in Colorado, Idaho, and Utah. We offer a quick and hassle-free process that you’ll find completely painless. You might even find that it makes borrowing enjoyable to some extent. It’s all possible because our loans are backed by real estate. If you’ve got property and you need money, let us talk.