Unsecured Loans & Credit Cards
Access unsecured capital without putting your real estate up as collateral. Ideal for short-term liquidity needs, business startup costs, rehab deposit funds, or credit expansion.
Entrepreneurs, Real Estate Investors & Individual Borrowers
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Program at a Glance
- Down Payment
- N/A
- Credit Score
- Strong (680+) may unlock better terms
- Occupancy
- N/A
- Term
- Varies by product/issuer
- Property Type
- N/A
Key Program Highlights & Advantages
No real estate collateral required
Intro APR promotional options may be available on select business credit cards (terms vary by issuer and offer)
Unsecured personal lines of credit and term loans (amounts vary by lender)
Fast approval and funding timelines vary by product and lender
Preserves property equity for main mortgage transactions
General Qualification Standards
Compare Similar Programs
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| Unsecured Loans & Credit Cards | N/A | Strong (680+) may unlock better terms | N/A | Varies by product/issuer |
| SBA Business & Real Estate Loans | ≈ 10%+ (commonly; varies) | Strong personal/business credit | Owner-occupied (51%+) | Up to 25 yr (real estate) |
| DSCR (Debt Service Coverage Ratio) | Often 15%–20%+ (varies) | Often 620–660+ | Investment | 30 yr fixed / interest-only options |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Rates, terms, and program availability are subject to change without notice and depend on borrower qualification and underwriting approval. This is not a commitment to lend. Contact Oakley Pike for current program guidelines.
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