Liquid 360

Liquidity Without Limits

The New Standard In Short-Term Capital

Liquid 360 is a short-term lending solution built for speed, flexibility, and scale. Designed for real estate investors, business owners, and self-employed borrowers, Liquid 360 delivers funding up to $5 million with fast approvals and equity-based qualification, so you can move quickly when opportunities strike.

Liquid 360 Program Guide
Eligibility Matrix

Program Highlights

  • $5 million max loan amount
  • No Income/No DTI
  • 600 min FICO
  • No Reserve Requirement (with a 720 FICO)
  • Owner-Occupied, Second Home, Investment
  • SFR, Condo, 2-4 units
  • Interest-only payment
  • 1st  or 2nd  liens 
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Change Lending, LLC dba Change Wholesale is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – Licensed by the N.J. Department of Banking and Insurance; OH: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL. For other states, visit www.changewholesale.com. All loans must meet underwriting guidelines. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the public is prohibited. Subject to change without notice. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2025. Change Lending, LLC. All rights reserved. Some of the Products referenced in this website are originated by the Change Company CDFI LLC, NMLS #2486868, the parent company of Change Lending, LLC.