No Income Verification
We underwrite the property and its income potential — not your W2, tax returns, or employment history. The deal is what matters.
Asset Based Lending
Solutions
Quick loans with no income verification for your needs. We
underwrite the property — not your tax returns. Close in as little as
7–14 days.
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.
The Deal Should Speak for Itself
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.
Apply Now02
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
Novaterra Capital
Submit Your Deal
Get pre-qualified in minutes. Fill out the form below and our team will reach out.
Ready to Fund Your Next Deal?
Quick loans with no income verification for your needs. Submit your
deal and our underwriting team will respond within 24 hours.
Asset-based lending solutions — Nova Terra Capital