Funding

Mortgage Programs
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Different loans for different borrowers

Every borrower that steps into your office has a unique vision – and a unique set of circumstances that have led them to you. Our wide range of alternative, asset‑based mortgage programs allow brokers to service the needs of tough-to-qualify real estate investors, including W-2 employees, self-employed entrepreneurs and small business owners.

Asset-based mortgage programs

Here’s a summary below of the residential investment and commercial mortgage programs we offer.

Mortgage Programs

Biz-Pay’s Programs

Flex-Term Loan

Customize loans to meet the individual needs of each investor. Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.

Key Features

  • 30-year fixed rate
  • Interest-only payments up to 10 years
  • Great for qualifying self-employed investors and small business owners
  • Based on property value, not personal income
  • Best alternative to hard money loans

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

ARV Pro

The best short-term solution for acquiring and improving property value. Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).

Key Features

  • Allows borrowers to finance improvements
  • Great for borrowers who need a quick close
  • An interest-only 1-year term provides lower monthly payments
  • A higher LTV than hard money lenders

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)

Flex I/O

A short-term interest-only loan program. Designed for investors seeking short-term financing with no prepay penalties.

Key Features

  • An interest-only, 24-month term provides lower monthly payments
  • Available for purchase or cash-out refinance
  • Perfect for acquiring or leveraging real estate holdings
  • A higher LTV than hard money options

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)

Fast50 Loan

A low LTV loan with easy credit requirements. Our Fast50 Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

Key Features

  • Great for borrowers with a recent bankruptcy or notice of default
  • No seasoning of ownership required
  • Improved pricing compared to our FlexPerm program
  • Derogatory mortgage history is OK
  • Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years

Property Types

  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)