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Asset Utilization Loan  Calculator

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Asset Utilization Loan Calculator

Asset utilization loans are a type of financing where a borrower can leverage their existing assets, such as inventory, equipment, or accounts receivable, as collateral to secure a loan. The calculation for asset utilization loans typically involves determining the value of the assets being used as collateral and then determining the loan amount based on a certain percentage of that value.

Here's an example of how asset utilization loans are calculated:

  • Assess the value of the assets: The lender will evaluate the assets being used as collateral to determine their current market value. This could involve appraisals, inventory audits, or assessments of accounts receivable.

  • Loan-to-value ratio (LTV): The lender will then apply a loan-to-value ratio, which is the percentage of the asset's value that the lender is willing to lend against. This ratio can vary depending on factors such as the type of asset, its liquidity, and the perceived risk.

  • Calculate the loan amount: The loan amount is determined by multiplying the value of the assets by the loan-to-value ratio. For example, if the assets are valued at $100,000 and the lender offers a loan-to-value ratio of 80%, the maximum loan amount would be $80,000 ($100,000 * 0.80).

To see an estimated example of what you might qualify for input your information in the tool below.

Rates & Features of Our Asset Utilization Loans

  • Loan Amounts up to $3 Million for purchases or refinances​

  • Minimum FICO score of 660​

  • Maximum Loan-to-Value (LTV) is 80% for purchase or refinance​

  • Maximum Cash-Out Refinance is 70% ​

  • 4 Months of account statements required​

  • Debt-to-income ratio is not calculated or required​

  • Properties can be single family and multifamily (max 4 units)

Contact

Lending Office

Phone

Direct Line: 503-343-7999 

Email

Office Hours

Mon - Fri

9:00 am – 5:00 pm

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