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Apply for a short-term loan from a premier asset-based lender.
When banks don’t lend, Flexwealth does, as an asset-based lender. We are not a bank who says “NO!” We are incredibly creative, resourceful and flexible lenders who work with you to create short-term cash loans. We don’t care about credit checks or financial statements. If you have assets of value, we can provide you with short-term loans, business loans, personal loans and flexible terms.
Flexwealth’s innovative team of professionals operate with our clients’ best interest at the forefront of our lending business, and will stop at nothing to provide unmatched rates and opportunities for our clientele. We have a 94% approval rating for our loan applications.
Flexwealth is a licensed asset-based lender that helps you use your personal assets to get cash. We evaluate your assets to see how much equity value they have. We then place an amount to the asset that can be funded. The customer receiving the loan pays for any survey on a boat, or evaluation on his or her asset. This will give Flexwealth a safe certified funding amount by a professional appraiser, based solely on the asset. Our luxury asset loans range from $10,000 to $10 Million with rates as low as 1.9% a month.
The approval is based on the equity value of your asset property and no financial disclosures or credit checks are required! We are firmly dedicated to promptly following up with and responding to customer requests, as client respect is of the utmost importance to us.
As an asset-based lender, Flexwealth takes possession of your asset until the loan is paid in full. We provide short-term loans for four months. The loan can be extended if needed. Flexwealth maintains strong client relationships by keeping our clients constantly informed throughout the entire process with open communication.
Please enter the information requested and an asset-based lender specialist will reach out to you after reviewing your application submission. Your application could be approved in as little as 24 hours. A completed application is not a guarantee of your loan approval.
Flexwealth is the country’s premier licensed luxury asset loans lender, providing financing against your existing luxury assets. Lending strictly on your assets, there are no credit checks, income statements or lengthy paperwork required. Having compiled the best of the best in the lending and appraisal industries, Flexwealth is comprised of a team of leading individuals who only give the highest possible values for luxury assets. All of the loans given are structured solely on your provided assets, not your credit score. When you need money, trust Flexwealth to appraise your assets and structure a loan within 24-48 hours.
Flexwealth has multiple locations across the U.S. to serve you.
Is Flexwealth a licensed company?
Yes, we are a licensed asset-based lender, and our funding is solely calculated on the value of your luxury assets. When banks reject, we accept!
How does Flexwealth work?
We evaluate your assets to see how much equity value they have. We then place an amount to the asset that can be funded.
I need cash immediately, how can Flexwealth help?
You can use your personal assets to get cash. Assets include: boats or yachts, luxury or classic cars, jewelry, busses, RVs, watches, planes, etc.
Why You Should Carefully Consider Applying with an Asset-Based Lender: A Smart Financial Decision
Taking out a loan is a significant decision, and it’s natural to feel cautious before moving forward. However, when used strategically, loans—especially asset-based loans—can be a powerful tool to unlock financial potential and help you reach your goals. If you have valuable assets, like real estate, vehicles, or other tangible items, using them as collateral for a loan can be a smart and flexible financial solution. But, as with any loan, it’s important to carefully evaluate your circumstances and ensure that the loan is a beneficial decision. Here’s why applying with an asset-based lender might be the right move and why it’s worth considering the potential benefits.
1. Access to Capital Without Selling Valuable Assets
One of the most compelling reasons to consider an asset-based loan is that it allows you to access cash without having to sell your valuable assets. Whether it’s a luxury car, real estate, art collection, or even equipment, many people own valuable items that could help them meet short-term financial needs or fund a new opportunity. Instead of parting with these assets, which might appreciate in value over time, you can leverage them as collateral to secure a loan. This way, you get the liquidity you need without losing ownership of what you’ve worked hard to acquire.
For instance, if you own a luxury yacht, classic car, or even a high-end watch, you could potentially use these items to secure a loan. By doing so, you preserve the value of your asset and maintain the ability to enjoy it or sell it at a later time, while also gaining access to the capital you need for other ventures.
2. Potential for Lower Interest Rates
Compared to unsecured loans, asset-based loans generally offer lower interest rates. Since the loan is secured by a valuable asset, lenders see it as less risky and may offer more favorable terms. This makes asset-based loans an attractive option for borrowers who need access to funds but want to minimize the cost of borrowing.
Additionally, because the collateral provides security to the asset-based lender, borrowers may qualify for larger loan amounts and more flexible repayment terms. For individuals with substantial assets but limited credit history, this can be an excellent way to secure financing that might otherwise be unavailable through traditional routes.
3. Flexibility and Quick Access to Funds
Asset-based loans tend to be faster to arrange than traditional loans. Since the lender is using a tangible asset as collateral, the approval process may be simpler and quicker. In many cases, you can access funds in a matter of days rather than weeks or months, depending on the type of loan and asset involved. This is particularly advantageous if you have urgent business needs, such as funding an expansion, making an investment, or addressing unexpected expenses.
This speed and flexibility make asset-based loans appealing to business owners and entrepreneurs who need fast access to capital to take advantage of time-sensitive opportunities. Whether you’re purchasing inventory, upgrading equipment, or responding to market trends, asset-based financing can provide the quick turnaround you need to stay competitive.
4. Fewer Restrictions on How the Funds Are Used
Unlike some other types of loans, such as personal loans or business loans that may have restrictions on how the funds can be spent, asset-based lenders offer greater flexibility in terms of usage. The funds can typically be used for a wide range of purposes, including personal expenses, business investments, or even debt consolidation. This allows borrowers to tailor the loan to meet their specific needs.
Whether you’re looking to reinvest in your business, fund a major life event like buying a home, or simply need extra working capital, an asset-based lender gives you the freedom to use the funds as you see fit. This flexibility is one of the key reasons why individuals and businesses turn to asset-based financing as a practical solution.
5. Preserving Wealth and Diversifying Investments
For high-net-worth individuals or businesses that own a diverse portfolio of assets, using an asset-based loan can be an effective strategy for preserving wealth and diversifying investments. By unlocking the value of existing assets, borrowers can gain access to cash without liquidating investments that may have long-term growth potential. This is especially important for individuals with assets that appreciate over time, like real estate or fine art.
Rather than selling these assets and losing potential future value, you can leverage them for short-term liquidity, allowing you to use the funds for other investment opportunities. This allows you to maintain your investment portfolio’s integrity and potentially grow wealth while managing cash flow needs.
6. Easier Approval for Those with Limited Credit History
Not everyone has a perfect credit score, and some individuals or business owners may find it challenging to qualify for traditional loans due to a limited or less-than-ideal credit history. With an asset-based loan, the collateral serves as security for the asset-based lender, which often makes approval easier even if your credit history isn’t stellar.
For businesses, this can be especially valuable, as they may have valuable assets but lack the established credit profile needed to secure traditional financing. With an asset-based lender, the focus is on the value of the assets you own, rather than your credit score or financial history. This opens up financing options for a broader range of borrowers who may otherwise struggle to obtain a loan.
7. Debt Management and Lower Risk of Default
While taking on debt always comes with responsibility, asset-based loans offer a built-in layer of protection for both the lender and borrower. Since the loan is secured by a tangible asset, the lender is less likely to lose money if the borrower defaults. This security can help prevent high-risk lending practices, as lenders are typically more cautious when extending unsecured credit.
For borrowers, knowing that their loan is backed by an asset they already own can provide peace of mind. If there’s ever a risk of falling behind on payments, the consequences may be less severe than with unsecured debt. This can help borrowers manage their finances more effectively and avoid the stress of unsecured loans, which may result in higher interest rates, penalties, and potential damage to their credit score.
8. Asset-Based Lenders Are Flexible in Terms of Collateral
Another advantage of asset-based lenders is the range of assets that can be used as collateral. Lenders may accept a variety of valuable items as security, from real estate to luxury goods, like fine art, cars, or jewelry. This gives borrowers flexibility in choosing which assets to pledge, depending on the type of loan and their financial situation.
For example, a business owner could use inventory or equipment as collateral for a loan, while an individual might choose to use a luxury watch collection, a home, or a yacht. By selecting an asset that you’re comfortable leveraging, you can tailor the loan to fit your specific needs.
Conclusion: A Strategic Financial Tool
When selected wisely, working with an asset-based lender can be a smart financial move that provides you with the capital you need while keeping your long-term financial goals intact. Whether you’re looking to expand your business, make an important personal investment, or handle unexpected expenses, an asset-based lenders offer flexibility, low-interest rates, and the potential for quick access to funds.
However, as with any financial decision, it’s important to approach an asset-based lender with careful consideration. Evaluate your financial situation, the value of your collateral, and your ability to meet repayment terms. When done right, asset-based loans can be an excellent way to leverage the value of what you already own to unlock new opportunities without sacrificing your future financial security.
By taking the time to understand the benefits and responsibilities of asset-based lender financing, you can make an informed decision that aligns with your financial goals and ensures that your assets work for you, not the other way around.