In the dynamic landscape of U.S. real estate, asset-based lending has become a powerful tool for sophisticated investors looking to maximize returns, unlock liquidity, and scale their property portfolios. For those seeking unparalleled expertise and global access to capital, Global Mortgage Group (GMG) and its U.S. division, America Mortgages, stand out as industry leaders. With a proven track record of closing deals ranging from a few million to several hundred million dollars, GMG and America Mortgages have solidified their reputation as the go-to source for high-net-worth investors and developers navigating complex real estate transactions.
What is Asset-Based Lending in Real Estate?
Asset-based lending (ABL) allows investors to secure loans using real estate assets as collateral, without relying heavily on income verification or credit history. This innovative financing solution empowers investors to leverage their existing property portfolios, enabling quick capital infusion to fund acquisitions, renovations, or expansions.
For international investors or U.S.-based developers facing stringent banking regulations, asset-based loans offer flexibility, speed, and access to liquidity that traditional mortgages cannot provide.
Key Advantages of Asset-Based Real Estate Loans
1. Access to Large Capital Pools
GMG and America Mortgages excel at sourcing capital from over 150 global lenders, including private banks, institutional investors, and alternative lenders. This expansive network ensures clients receive competitive rates and terms that are often unavailable through local banks.
By tapping into global capital markets, sophisticated investors gain access to funding for large-scale projects that may not qualify for traditional financing. Whether it’s a $5 million residential investment or a $200 million commercial development, GMG has the expertise and network to deliver.
2. Higher Loan-to-Value (LTV) Ratios
Asset-based loans typically offer higher LTV ratios, often up to 75%, depending on the property type and location. This allows investors to borrow more against the value of their assets, freeing up significant capital for reinvestment or expansion.
3. Fast Approvals and Closings
In the competitive U.S. real estate market, timing is critical. Traditional banks can take months to process applications, while asset-based loans through GMG and America Mortgages can be approved within 2 to 4 days and funding within weeks. This speed gives investors a decisive edge, allowing them to secure prime properties before the competition.
4. No Income Verification or Credit Requirements
For foreign investors, self-employed individuals, or those with complex financial structures, income documentation can be a hurdle. GMG’s asset-based loans focus on property value and asset strength, bypassing the need for extensive income proof or high credit scores. This makes it an ideal solution for non-traditional borrowers.
5. Flexibility Across Property Types
GMG and America Mortgages provide asset-based loans for a wide range of property types, including:
Luxury Residential
Commercial Buildings
Multi-Family Units
Mixed-Use Developments
Industrial Real Estate
This broad scope enables investors to diversify their portfolios and capitalize on various segments of the U.S. property market.
Why GMG and America Mortgages Lead the Industry
Proven Track Record of High-Value Deals
GMG and America Mortgages have successfully closed loans across the U.S., Europe, and Asia, handling transactions from a few million to over $350 million. Their ability to structure complex financing solutions and navigate cross-border regulations sets them apart from traditional lenders.
Global Reach, Local Expertise
By combining global capital sourcing with in-depth knowledge of U.S. real estate markets, GMG provides clients with a unique advantage. Their dedicated team of mortgage specialists understands the nuances of each market, ensuring tailored solutions for every investment.
Trusted by High-Net-Worth Investors
GMG’s client base includes some of the world’s most sophisticated investors, HNW individuals, family offices, and developers. This trust is built on their unwavering commitment to confidentiality, personalized service, and results-driven solutions.
Real-World Applications of Asset-Based Lending
Foreign Nationals Investing in U.S. Real Estate: Non-resident investors can leverage U.S. properties to secure financing, bypassing the traditional barriers of income proof and credit checks.
Commercial Developers: Developers use asset-based loans for bridge financing, unlocking equity from completed projects to fund new developments.
Portfolio Expansion: Investors scale their portfolios by using existing properties to finance new acquisitions, optimizing cash flow and increasing returns.
Conclusion: Unlock the Potential of U.S. Real Estate with GMG and America Mortgages
Asset-based lending is transforming the way investors engage with the U.S. real estate market, offering unmatched flexibility, speed, and access to global capital. As the industry leader, Global Mortgage Group (GMG) and America Mortgages provide the expertise, network, and innovative solutions needed to thrive in today’s competitive environment.
Whether you’re acquiring prime residential properties, funding large-scale commercial projects, or unlocking liquidity from existing real estate assets, GMG and America Mortgages are your trusted partners for asset-backed real estate financing.
Ready to scale your real estate investments? Contact GMG and America Mortgages today to explore customized asset-based lending solutions tailored to your unique needs.
Asia: +65 8430-1541
USA: +1 830-217-6608
