Portfolio Loans
Flexible In-House Financing Solutions
Flexible In-House Financing for Unique Borrower Profiles
Portfolio Loans
If your financial profile doesn’t fit traditional lending guidelines, Portfolio Loans provide a powerful alternative. With flexible underwriting, custom structures, and high loan limits, portfolio financing helps borrowers access capital based on the full value of their assets and investments.
How It Works
- Apply with details of the property or portfolio
- Lender performs in-house underwriting
- Collateral and borrower profile evaluated
- Custom loan terms structured
- Funding issued for purchase, refinance, or consolidation
- Loan remains on the lender’s books, allowing ongoing flexibility
Flexible Interest Rates
4% – 12%
Easy Terms
12 months – 30 years
Varying Loan Amounts
$50,000 – $10,000,000
Learn how
Portfolio Loans work!
Introducing Personal Loan Stacking Programs:
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- Loan/Line amount: $50,000 to $10,000,000
- Loan terms: 12 months to 30 years
- Interest rates: 4% – 12%
- Collateral: Real estate or investment assets
- Credit score: Minimum 620+
Faster Funding’s
Portfolio Loan Programs
Flexible In-House Financing up to $10 Million
A Portfolio Loan is a type of loan that is underwritten and held in-house by the lender, rather than being sold on the secondary mortgage market to agencies like Fannie Mae or Freddie Mac. Because the lender keeps the loan in its own portfolio, it can apply more flexible underwriting guidelines and customize terms based on the borrower’s full financial picture.
Portfolio loans are ideal for borrowers who don’t fit traditional lending boxes, including real estate investors, self-employed individuals, high-net-worth borrowers, and those with complex income or asset structures. These loans are commonly used to purchase or refinance real estate, consolidate debt, or finance investment portfolios.
Benefits of Portfolio Loans
Portfolio loans offer flexible financing options that traditional lenders often cannot. Because these loans are held in-house, approval criteria are more adaptable, allowing lenders to consider the full financial picture rather than rigid guidelines. This makes portfolio loans a strong option for borrowers with unique circumstances, non-traditional income, or complex credit profiles. With streamlined decision-making and fewer layers of approval, funding is often faster and loan structures can be customized to better align with cash flow needs, investment strategies, and long-term growth goals.
- Flexible underwriting beyond traditional guidelines
- Ideal for real estate investors and complex financial profiles
- Can be used for purchases, refinances, or portfolio consolidation
- Custom loan structures and terms
- Ability to finance multiple properties or unique assets
- Asset-based and relationship-driven approvals
Collateral Requirements
Portfolio loans are typically secured by:
- Residential real estate
- Commercial properties
- Multi-family investments
- Mixed-use properties
- Investment portfolios or alternative assets
Loan amounts are usually determined by the value, cash flow, and quality of the portfolio being financed, rather than rigid government loan limits.
Qualification Requirements
Because portfolio loans are held in-house, approval is based on a holistic review of the borrower’s profile, which may include:
- Minimum credit score of 620+
- Property or portfolio valuation
- Proof of assets or reserves
- Income documentation (flexible options may include bank statements or asset-based reviews)
- Real estate experience (for investors)
- Debt structure and risk profile
These loans are especially well-suited for:
- Self-employed borrowers
- High-net-worth individuals
- Real estate investors with multiple properties
- Borrowers with non-traditional income
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our Portfolio Loan programs are just one of the many ways we’re working to make that happen.
To learn more about our Portfolio Loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
How is a portfolio loan different from a conventional loan?
Conventional loans must meet agency guidelines. Portfolio loans do not, allowing lenders to customize approvals and terms.
Can I finance multiple properties?
Yes. Portfolio loans are often used to finance multiple properties or entire real estate portfolios.
Are portfolio loans only for real estate?
Most are real estate–based, but some lenders allow investment asset portfolios as collateral.
Are rates higher than traditional mortgages?
Sometimes, due to increased flexibility and risk, but strong borrowers may secure competitive terms.
Get Started
Contact us to learn more about our portfolio loan programs. Our team of experts is standing by to help you find the perfect financial solutions for your business.
