How Our Asset-Backed Real Estate Loans Work
What Investors Need to Know Before Applying
At Imperial Capital Funding, our loans are backed by the strength of the asset, not your tax returns. Asset-backed, business-purpose financing uses real estate as collateral—allowing investors to access capital for DSCR rentals, fix & flips, bridge, construction, and multifamily deals across 44 states.
This FAQ section explains how our programs work, what we look for in a property, and what you can expect from the approval process—soft credit pulls, clear terms, and a focus on cash flow and collateral. Whether you’re acquiring your first rental or scaling a portfolio, use these answers to understand your options and move into your next deal with confidence.
Frequently Asked Questions About Imperial Capital Funding
At Imperial Capital Funding, we know investors have specific questions about how our business-purpose, asset-backed loans work. This FAQ section explains our use of soft credit pulls, who we lend to, the types of real estate loan programs we offer, and what to expect from the application and approval process—so you can move forward with clarity and confidence.
Will there be a hard pull on my credit?
No. Imperial Capital Funding uses soft credit pulls only during pre-approval and approval. A soft pull lets us review your credit profile and pricing options without impacting your credit score. Once you share basic deal details, we can discuss potential loan options and terms without the pressure of a hard inquiry.
Who is eligible to borrow from Imperial Capital Funding?
We lend to real estate investors, developers, and business entities (LLCs, corporations, partnerships, and trusts). Loans are business-purpose and non–owner-occupied only—we do not offer consumer home mortgages.
To qualify, borrowers should generally show:
Experience or a clear plan for the project
Stable financial capacity and reserves
Properties that meet our collateral and cash-flow guidelines
If you’re unsure whether you qualify, send us your scenario and we’ll review it with you.
What types of loan programs do you offer?
Imperial Capital Funding focuses on asset-backed real estate loans designed for investors, including:
DSCR rental loans (single assets and portfolios)
Fix & Flip and short-term bridge loans
BRRR / Fix-to-Rent financing
Ground-up construction loans
Multifamily and mixed-use loans
Loan sizes can range from smaller single-property deals up to $75M, depending on the program and property. Our team will help match your project with the structure that fits best.
How does the application and approval process work?
Our process is designed to be straightforward and transparent:
Share your scenario – property address, purchase price or value, rehab budget, rents, and desired loan amount.
Soft pull & review – we run a soft credit pull, analyze the deal, and issue potential terms.
Full application & docs – you complete the application and provide items like income/asset docs, entity info, and third-party reports.
Underwriting & closing – we finalize approval and work with you and title to close as quickly as possible.
Throughout the process, a dedicated loan specialist keeps you updated so you always know where your deal stands.
Get in Touch with Us
At IMPERIAL CAPITAL FUNDING, we prioritize clear communication and responsive service for every investor we work with. If you have questions about our business-purpose, asset-backed real estate loans, soft credit pulls, or which program fits your next deal, we’re here to help.
Use the form to tell us a little about your project, and a loan specialist will reach out within one business day to review options with you. Prefer to call or email? You can always reach us using the contact details below.
Share your deal today and let’s see how quickly we can get it funded.