No Income Verification
We underwrite the property and its income potential — not your W2, tax returns, or employment history. The deal is what matters.
Traditional lenders weren't built for investors.
Slow Approvals
Banks take 45–60 days. They want W2s, tax returns, and perfect credit. By the time they approve, the deal is gone — and so is your competitive edge.
Too Many Requirements
Income verification, debt-to-income ratios, employment history — none of it reflects the strength of the deal sitting in front of you.
Too Many Requirements
If the property cash-flows and the numbers work, you shouldn't need a stack of personal documents to prove it. Asset-based lending puts the focus where it belongs.
Flexible lending options built for investors.
Nova Terra Capital provides asset-based lending solutions with no income verification. We move fast so you can close deals before the competition.
Close in 7–14 Days
$120M+ funded, 500+ deals closed, 98% approval rate. We close in days, not months. Asset-based approval means faster capital in your hands.
Here's the plan
Pick the program that fits your deal. We'll handle the rest.
Program 01
Fix & Flip
“Have a Deal Under Contract? Close in 7–14 Days.”
We fund your purchase and rehab — fast. Only 10% down, no income verification, and asset-based approval.
If the numbers work, we move.
Apply Now →- ✓Up to 90% Purchase
- ✓Up to 100% Rehab
- ✓Only 10% Down
- ✓No Income Verification
- ✓Low Credit OK
- ✓Close in 7–14 Days
- ✓Asset-Based Approval
Program 03
New Construction
“Own the Land? Let’s Fund the Build.”
Funding for 1–4 unit new construction. Whether you’re building to sell, building to rent, or scaling from rehabs into ground-up.
From lot to leverage. We fund it.
Apply Now →- ✓Up to 90% Loan-to-Cost
- ✓Minimum Loan $50K
- ✓No Income Verification
- ✓Close in 7–14 Days
- ✓Structured Draw Process
- ✓Asset-Based Approval
HOW IT WORKS
From application to funding in days
Limited underwriting capacity each week. Serious investors ready to close only.
01
Submit Your Deal
Click Apply Now and submit your property details — takes under 5 minutes.
02
24-Hour Deal Review
Our underwriting team reviews your deal and provides a term sheet within 24 hours. Know exactly where you stand — fast.
03
Close & Fund
If the numbers work, we move. Close in as little as 7–14 days with asset-based approval.
Two paths. One choice.
×
Without Nova Terra Capital
- ×Deals slip away while banks review paperwork
- ×You stay stuck at 1–2 deals a year
- ×Your capital stays locked in completed rehabs
- ×Balloon dates approach with no exit plan
- ×You compete for deals with slower capital
✓
With Nova Terra Capital
- ✓Close in 7–14 days — before the competition
- ✓Scale to 5, 10, 20+ deals a year
- ✓Unlock equity and recycle capital into new deals
- ✓Replace expensive debt with long-term loans
- ✓Build a real portfolio with a funding partner
Expert real estate services for buying, selling, and investing — backed by 20+ years of experience.
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