Asset depletion loans
Your savings are your income.
Asset depletion loans turn your savings, investments, and retirement accounts into qualifying income — no need to sell a thing. Built for high-asset borrowers whose reportable income doesn't reflect their real financial picture.
Who it's for
Retirees
Living on savings, not a paycheck
High-net-worth borrowers
Assets outweigh reported income
Recent liquidity events
Business sale, inheritance, or windfall
FAQ
Common asset depletion questions
What is an asset depletion loan?
We divide your liquid assets over a set term to create a monthly qualifying income figure — without requiring you to sell anything.
Who benefits most?
Retirees, high-net-worth individuals, and anyone with significant assets but lower reportable income.
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