Equity Lending — Put Your Property's Equity to Work
Turn the equity in real estate you already own into capital for your next deal. Asset-based underwriting, no income verification, and a fast close so you never miss an opportunity.
What is equity lending?
Equity lending is an asset-based loan secured by the equity in real estate you already own. Rather than qualifying you on personal income, ECM lends against the property's value and available equity — turning capital that's locked up in your real estate into money you can actually deploy on your next investment.
Because it's underwritten on the asset, there's no income verification — making equity lending a fast, flexible source of capital for investors who are equity-rich but want to move quickly.
Benefits
- Unlock trapped equity — convert built-up equity into usable investment capital.
- No income verification — asset-based underwriting on the property's value and equity.
- Flexible use of funds — acquisitions, rehab, down payments, or working capital.
- Fast close — move on time-sensitive opportunities without waiting on a bank.
- Multiple property types — single-family rentals, multifamily, mixed-use, and commercial.
- Nationwide — investor lending across the country.
How it works
ECM reviews the property, its value, and the equity available, then structures a loan against that equity. Because we underwrite the asset with common sense — not a stack of personal income documents — you can get clear terms within one business day and close fast.
Related programs
Want long-term financing on a rental instead? See our DSCR rental loans. Need short-term capital to bridge a commercial deal? Look at commercial bridge loans, or browse all loan programs.
Equity lending FAQs
What is equity lending?
Equity lending is an asset-based loan secured by the equity in real estate you already own. Instead of qualifying on personal income, approval is based on the property's value and available equity — letting you turn built-up equity into usable capital for your next investment.
What can I use the funds for?
Equity lending funds can be used for real estate investment purposes — acquiring another property, funding a rehab, covering a down payment, or providing working capital for your investment business.
Do I need to verify my income?
No. Equity lending from ECM is asset-based and underwritten on the property's value and equity rather than personal income, so there is no income verification required.
What types of property qualify?
Investment and commercial real estate with sufficient equity can qualify, including single-family rentals, multifamily, mixed-use, and commercial properties. Contact ECM to review your specific asset.
Ready to tap your equity?
Tell us about the property and get competitive equity lending terms within one business day.