Credit Solutions
Our Credit Solutions give you the speed, flexibility and rate protection you need to grow:
Get capital faster than public markets—our streamlined approval process and direct lender relationships let you close on your timeline. Structure financing around your needs with customized terms, amortization schedules, and collateral packages that align with your business plan. And leverage your assets to secure fixed or capped interest rates, shielding your business from market volatility and rising rates.
Real Estate
Mortgages & Bridge Loans
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Transactions: Purchase, Cash-Out & Refinance
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Transaction Size: $500,00 - $5,000,000
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Commercial and mixed-use buildings, single-family and multifamily residential properties, industrial warehouses and logistics centers, hotels, resorts and other hospitality venues.
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Time to Close: 3–5 weeks
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Max LTV: Up to 70%
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Interest Rate: Market‐driven; typically 10–12%
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Origination Fee: 2%
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Term: 2–30 years
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Prepayment: Allowed, no penalties
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Deposits: None required for approval
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Markets: Nationwide, with a focus on major metropolitan areas
ITEMS NEEDED FOR APPROVAL
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Credit application
Fully completed and signed credit application.
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Property Info
Full property address and a recent appraisal estimate, along with basic details such as property type, size, age, and condition.
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Contract
Fully executed sale contract for your purchase or development transaction.
Luxury Assets
Yachts
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Transaction Size: $200,00 - $5,000,000
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Yacht: 25’ - 100’ length
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Age: 10 years or newer
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Term: 2 - 10 years
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LTV: 50 – 75% (We accept real estate as additional collateral to secure your financing)
Luxury vehicles
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Transaction Size: $100,00 - $1,000,000
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Age: 5 years or newer
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Term: 24 - 60 months
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LTV: 50 - 75%
Light Truck & SUV
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Transaction Size: $100,00 - $1,000,000
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Age: 2 years or newer
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Term: 24 - 60 months
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LTV: 50 - 75%
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RV
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Transaction Size: $100,00 - $1,000,000
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Age: 3 years or newer
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Term: 2 - 10 years
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LTV: 50 – 75%
Limo and Luxury Transport
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Transaction Size: $100,00 - $1,000,000
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Age: 3 years or newer
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Term: 2 - 6 years
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LTV: 50 - 70%
HIGHLIGHTS
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No prepayment penalty
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Start-ups are OK
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No FICO minimum
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Past bankruptcy OK
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No minimum time with CDL
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Approval within 1 business day
ITEMS NEEDED FOR APPROVAL
Credit application
We accept most credit applications.
Equipment specs
Must include year, make, model, mileage, VIN, engine
Invoice
Must be itemized
Construction Equipment
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Equipment finance agreements and fair market value (FMV) leases
GUIDELINES
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New or used equipment
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Heavy duty: 8 years or newer
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Light duty: 4 years or newer
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Minimum retail price: $80,000
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Minimum down: 25%
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Investor: 40%
REASONS FOR DECLINE
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Repossession in the last 5 years
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Child support delinquency
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Currently open bankruptcy
HIGHLIGHTS
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No prepayment penalty
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Start-ups are OK
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No FICO minimum
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Past bankruptcy OK
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No minimum time with CDL
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Approval within 1 business day
ITEMS NEEDED FOR APPROVAL
Credit application
We accept most credit applications
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Equipment specs
Must include year, make, model, mileage, serial #, engine
Invoice
Must be itemized
Trucks
Equipment finance agreements and fair market value (FMV) leases
GUIDELINES
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Class 7-8 trucks “sleepers”: 3 years or newer (classics up to 5 years)
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Class 7-8 trucks “vocational”: 6 years or newer
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Class 4-6 trucks: brand new only (with a few exceptions)
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Minimum retail price: $100,000
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Minimum down: 25% (cash/trade/collateral)
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Investor: 40% down
HIGHLIGHTS
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No prepayment penalty
-
Start-ups are OK
-
No FICO minimum
-
Past bankruptcy OK
-
No minimum time with CDL
-
Approval within 1 business day
ITEMS NEEDED FOR APPROVAL
Credit application
We accept most credit applications
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Truck specs
Must include year, make, model, mileage, VIN, engine
Invoice
Must be itemized
Your Path to Securing Financing
At East Harbor, we value your time and streamline the process to deliver optimal financing solutions with minimal effort
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Inquire and Consult
Fill out a brief inquiry form, and our advisors will quickly schedule a consultation to understand your financial needs and goals.
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Custom Financing Strategy
We create a financing plan that aligns with your portfolio, managing all details to ensure a smooth process.
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Effortless Execution
We handle everything from underwriting to fund disbursement, delivering your funds promptly so you can focus on growing your wealth.
Free Download
The Essential Guide to Strategic Asset Financing.
Is your wealth strategy missing a critical piece?
Asset-based financing can be complex, even for seasoned investors. Without the right strategies, you risk missing returns and exposing your wealth to unnecessary risks.
Download 'The Essential Guide to Strategic Asset Financing' to gain expert insights that will help you maximize returns, protect your assets, and make informed decisions.
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