One of the biggest challenges many real estate investors and developers face is qualifying for financing through traditional lenders. Banks and other financial institutions rely heavily on credit scores to determine eligibility, leaving those with less-than-perfect credit struggling to secure the funding they need.
If you’re worried that your credit score might be a roadblock to your real estate aspirations, you can breathe a sigh of relief. Malve Capital takes a refreshingly different approach. We understand that a credit score is just a number, not the whole story of your potential.
Our loan programs are designed to provide flexible, accessible financing to real estate professionals—without the rigid credit score requirements found elsewhere. Here’s everything you need to know about how we evaluate loan applications and why our approach works for so many clients.
No Minimum Credit Score Requirement
Unlike traditional lenders, Malve Capital does not impose a minimum credit score requirement for our loan applications. If your credit report has a few blemishes or you’ve faced financial challenges, you can still apply for and potentially secure financing through us.
Why do we take this approach? Because a credit score should not define your ability to succeed in real estate. A number on a report doesn’t reflect your vision, determination, or the potential of your project. By removing the barrier of a strict credit score requirement, we open up opportunities for a wider range of real estate professionals to access the capital they need. Instead we have a Flexible FICO requirement. While we don’t have a strict minimum, borrowers with a score of 550+ for short-term loans and 660+ for long term DSCR loans are typically positioned for the most competitive LTV options.
Asset-Based Lending: The Malve Capital Advantage
At Malve Capital, we don’t judge you solely based on your personal credit history. Instead, we evaluate the value of the property or asset you’re looking to finance. This fair and respectful approach, known as asset-based lending, ensures that the strength of your investment plays a more significant role in the loan decision process.
Here’s how it works:
- The property or asset serves as collateral for the loan, reducing the risk for the lender.
- The primary consideration is the property’s potential, not your financial profile.
- This means that even if you have a low credit score, as long as the asset meets our criteria, you can still qualify for funding.
This focus on the asset rather than the borrower is particularly beneficial for real estate investors who might have strong projects but don’t meet traditional lending requirements.
What This Means for You
Choosing Malve Capital as your financing partner provides several key benefits:
- Accessibility: By eliminating a minimum credit score requirement, we make financing more accessible to a diverse range of clients, from seasoned developers to first-time investors.
- Flexibility: Our asset-based lending model allows us to tailor loan terms to your project needs rather than forcing you into a one-size-fits-all approach.
- Speed: We can provide quick approvals and fast access to funds without the delays caused by lengthy credit checks and traditional underwriting processes.
Whether you’re flipping a property, building from the ground up, or investing in a large-scale development, our flexible lending approach ensures that arbitrary credit score standards don’t hold you back.
What to Keep in Mind
While Malve Capital doesn’t require a minimum credit score, it’s essential to have a clear strategy for your project and repayment plan. Since our loans are primarily asset-based, the success of your project plays a key role in ensuring a positive outcome. Before applying, consider the following:
- Have a Solid Plan: Be prepared to present a clear vision for your project, including timelines, budgets, and exit strategies.
- Understand the Terms: Because hard money and asset-based loans often come with higher interest rates than traditional loans, you must ensure the loan aligns with your financial goals.
At Malve Capital, we’re not just a lender but a partner in your success. We’re committed to transparency and supporting your journey. Whether you have questions about the loan process or need guidance, our team is here to provide the support you need every step of the way.
Seize Your Opportunity with Malve Capital
Your credit score shouldn’t stand in the way of your real estate ambitions. At Malve Capital, we believe in empowering our clients with the tools and support they need to succeed, regardless of their credit history. Our asset-based lending model focuses on what truly matters—the value of your property and the potential of your project.
If you’re ready to explore loan options with no minimum credit score requirement, we’re here to help. Contact Malve Capital today to learn more about our flexible financing solutions.