Aston Commercial Lending

What Aston Commercial Lending does

Aston Commercial Lending is a private direct lender headquartered in West Long Branch, New Jersey that originates stated income mortgage loans for real estate investment properties across the United States. The company serves individual real estate investors and mortgage brokers seeking financing for non-owner-occupied 1-4 family residential properties, multi-family buildings with five or more units, mixed-use buildings, and commercial real estate including office, retail, warehouse, self-storage, and automotive facilities. Loan sizes range from $100,000 to $5 million with publicly disclosed pricing starting at 7.49%, loan-to-value ratios up to 75%, 30-year amortization without balloons, and a 24-hour qualification timeline. A preferred minimum FICO of 630 (or 650 on the core product) is stated, and the Fix and Flip program carries no minimum credit score or experience requirement.

The company's product portfolio is organized into four programs: a Fix and Flip Program offering up to 75% of purchase price with interest-only payments for one year; Commercial Stated Income Loans up to 70% LTV; Residential Stated Income Loans up to 75% LTV for 1-4 family investments, multi-family, and mixed-use properties; and a core Stated Income Loan product covering all transaction types. The underlying platform is a stated income underwriting model that evaluates properties on the basis of verified lease income cash flow and LTV rather than borrower personal income or tax return documentation — the defining technical differentiator versus traditional bank and GSE lending. The website homepage also references expansion into 1-4 family owner-occupied stated income lending, signaling a recent broadening of the addressable borrower pool.

Aston operates as a direct-to-consumer lender, generating revenue primarily through interest earned on originated mortgage loans (the spread between borrower rates and the lender's cost of capital), and serves as a capital partner to mortgage brokers for stated income deals. Lead capture runs through the company website and an online Stated Income Quote Form, with phone and email as supporting contact channels. The company employs between 11 and 50 people and operates nationwide. No public funding rounds, institutional investors, parent company, or material ownership disclosures were identified in the available data.

Name

Aston Commercial Lending

Legal name

Aston Commercial Lending

Website

https://astoncommerciallending.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Aston Commercial Lending is a private direct lender offering stated income mortgage loans ($100k–$5M) for US real estate investors nationwide, covering fix-and-flip, residential investment, multi-family, and commercial properties without requiring income verification or tax returns.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Real Estate Credit (522292), Consumer Lending (522291)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSALADAG

Balance-Sheet / Portfolio CRE Lending

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

SECONDARYFSABABAG

SME Commercial Real Estate (CRE) Lending

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSALADAH

Construction & Development (C&D) Lending — Commercial/Multifamily

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

Keywords

• Stated income loans
• Commercial lending
• Fix and flip loans
• Real estate investor financing
• Hard money lending

Headquarters

HQ city

Oakhurst

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Mortgage Lending Interest: As a direct lender, Aston Commercial Lending generates revenue through interest earned on stated income mortgage loans. They provide funding from $100k to $5 million for commercial and residential investment properties. Revenue is generated from the spread between the interest charged to borrowers and the cost of capital.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Aston Commercial Lending is a private direct lender that provides stated-income mortgage loans to real estate investors nationwide. Its product portfolio centers on three programs — Fix and Flip, Commercial Stated Income, and Residential Stated Income — designed for borrowers who cannot or prefer not to qualify under traditional full-documentation standards.

Product overview

Aston Commercial Lending is a direct lender offering stated income mortgage loans for real estate investment. The product portfolio consists of three main programs: (1) Fix and Flip Program for investment properties with no experience needed and interest-only payments for 1 year; (2) Commercial Stated Income Loans for office, retail, warehouse, and commercial properties; and (3) Residential Stated Income Loans for 1-4 family investments and multi-family properties. All programs share a common stated income approach—no income verification or tax returns required—with loan amounts ranging from $100k to $5 Million, rates starting at 7.49%, and up to 75% LTV.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip Program
• Commercial Stated Income Loans
• Residential Stated Income Loans

Quantifiable outcome

• 24-hour qualification timeline
• +2 more outcomes

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• CoreVest Finance (Redwood Trust): Specialty lender to single-family rental investors and small-balance commercial bridge borrowers. Directly comparable in investor-focused CRE lending, with a now-larger parent (Redwood Trust) providing capital scale.
• Visio Lending: A direct stated-income / DSCR lender focused on single-family rental and 1–4 family investment properties nationwide. Closely comparable product set, target borrower, and stated-income underwriting philosophy.
• Kiavi (formerly LendingHome): Tech-enabled direct lender offering fix-and-flip and rental portfolio loans to real estate investors. Comparable product line (especially Fix & Flip) and direct-to-investor GTM motion.
• Newfi Wholesale: Non-QM and investor-focused mortgage lender offering stated-income, DSCR, and business-purpose loans through both direct and broker channels. Comparable underwriting flexibility and product breadth.
• Lima One Capital: Specialty lender focused on rental, multifamily, and fix-and-flip financing for real estate investors. Highly comparable product portfolio and nationwide investor customer base.
• Angel Oak Mortgage Solutions: Non-QM residential lender serving self-employed borrowers and real estate investors via the broker channel. Comparable focus on stated income and non-traditional documentation.

Broad incumbents

• Angel Oak Capital Group: Diversified alternative credit manager with mortgage and consumer lending affiliates (including Angel Oak Mortgage Solutions). Comparable via its non-QM/stated-income mortgage lending affiliate targeting self-employed borrowers and investors.
• A10 Capital: Balance-sheet commercial real estate lender providing bridge and permanent financing on small- to mid-balance commercial properties. Adjacent in commercial stated-income lending but serves a broader sponsor base.
• Bloomfield Capital: Private commercial real estate lender specializing in bridge and value-add financing for middle-market and small-balance commercial properties. Overlaps with Aston's commercial stated-income product, particularly on office, retail, and mixed-use assets.

Emerging players

• JCap Real Estate Capital: Private bridge and stated-income lender to small-balance commercial and residential investors. Comparable product mechanics and target borrower, smaller scale than Aston's stated-income peers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/aston-commercial-lending

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aston Commercial Lending