Your credit score doesn't determine your deal's potential. We do.

Most lenders lead with your credit score. We lead with your deal.

At Onyx Capital Lending, we are asset-based lenders. That means we evaluate

the property—its value, its income potential, and the strength of the deal—

not just the number on your credit report.

If you have a solid real estate opportunity but your credit has suffered some setbacks

along the way, we have loan programs built specifically for investors in your

position. Bankruptcies, foreclosures, late payments—we've seen it all and

funded deals for borrowers who were turned away elsewhere.

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WHAT WE LOOK AT INSTEAD

✅ Property value and equity position

✅ After-repair value (ARV) for fix & flip deals

✅ Rental income and cash flow (DSCR)

✅ Your experience as an investor

✅ The strength of your exit strategy

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LOAN OPTIONS FOR BAD CREDIT INVESTORS

✅ Hard Money Loans—based on property value, not credit

✅ Fix & Flip Loans—credit scores as low as 500 considered

✅ DSCR Rental Loans—qualify on rental income, not your history

✅ Bridge Loans—short-term financing while you rebuild credit

✅ LLC vesting okay—keep your personal credit separate

✅ Close in as little as 14 days

✅ Available in 48 states

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WHO THIS IS FOR

• Investors with past bankruptcies or foreclosures

• Self-employed borrowers with complex tax situations

• Investors with high debt-to-income ratios

• First-time investors who haven't established credit history

• Experienced investors going through a credit rebuilding period

If you have a real deal with real numbers—we want to hear about it.

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READY TO DISCUSS YOUR DEAL?

Don't let your credit score stop your next investment. Tell us about the

property and let the deal speak for itself.