ATS Financial Solutions

About ATS Financial Solutions

ATS Financial Solutions is an asset-based lender based in Lauderhill, FL providing funding throughout the United States. They provide lending solutions for many different situations, including ground up construction loans, cash out loans, short term bridge loans, investment property loans, short term fix and flip loans, and hard money loans for commercial properties. Their loan guidelines are versatile, including terms up to 1 year, rates ranging between 7.19% and 12.99%, and loan amounts ranging from $20,000 to $100,000,000 with a maximum LTV of 70%. They are able to lend funds to all borrowers based on the property value and do not require a minimum credit score. They make loans on all the following property types: single family residences, multi-family units, apartments, offices, retail spaces, hotels/motels, storage buildings, senior housing facilities, mixed use, warehouse buildings, industrial facilities, medical offices, undeveloped land, and churches.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical, Land, Church

Areas Served: National

Lending Guidelines for ATS Financial Solutions

Below are the general loan guidelines published on the ATS Financial Solutions website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by ATS Financial Solutions.

Loan Example 1

Matthew takes a fix-and-flip loan from ATS Financial Solutions in order to rehab a townhouse to resale in Corpus Christi, TX. The sales price of the property is $300,000. The terms of the loan include a 80% loan-to-value (LTV), so he must contribute 20% of the price as cash at closing, which makes the principle note amount $240,000. The terms of the deal dictate a 13% note for 18 months. They also stipulate a 4 point origination fee, which will also be paid when the property closes.

Therefore, Matthew will be required to contribute a $60,000 down payment plus pay a $9,600 origination fee. The monthly interest-only payments will then total $2,600 to ATS Financial Solutions. If Matthew sells the property for $375,000 after 18 months, he would then make a total profit of $18,600 after subtracting the principle amount of $240,000, the cash contributed at the close of $60,000, the origination points of $9,600, and the total interest payments of $46,800. This profit doesn't include building costs.

Loan Example 2

Reginald takes out a hard money loan from ATS Financial Solutions so he can rehab a townhome to re-sell in Memphis, TN. The loan has the following parameters:

a) A $300,000 purchase price, b) a 75% loan-to-value (LTV), c) a 12 month term, d) a 14% interest rate, and e) a 1% origination fee.

After the rehab project is completed, if Reginald sells the house for $405,000, the numbers would be the following:

$405,000 sales price
- $225,000 loan principle (75% LTV)
- $75,000 cash paid at closing (25% on 75% LTV)
- $2,250 origination fee (1% of the $225,000 principle)
- $31,500 total interest paid (12 months x 14% interest)
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= $71,250 gross profit (does not include taxes or renovation costs)

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