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Why Traditional Banks Don't Understand Creative Professionals (And What You Can Do About It)

This scenario tells the whole story...

Ai image of an Artist trying to get a loan from a Banker
Ai image of an Artist trying to get a loan from a Banker

A successful producer calls frustrated after being turned down by three major banks for a cash-out refinance on their property. Despite owning $4M in real estate, the banks couldn't get past their "irregular income" from project-based work.


Sound familiar?


That’s The Problem With Traditional Banking for Creatives

Banks operate on W-2 thinking in a 1099 world. They want:

  • Steady monthly paychecks (you get paid per project)

  • Two years of consistent income (your big year was last year, this year is development)

  • Debt-to-income ratios that don't account for future deals in the pipeline

Meanwhile, you're sitting on real estate equity but can't access it when you need capital most.

The Real Issue: Privacy and Speed

Beyond the income documentation nightmare, creative professionals face unique challenges:

🔒 Discretion Matters Your financial moves can't become industry gossip. Traditional bank processes often involve multiple approvals, committees, and documentation that can leak into public records or trade publication research.

⚡ Timing is EverythingDevelopment windows don't wait for 60-day bank approvals. When you need to bridge cash flow between projects or capitalize on a time-sensitive opportunity, speed matters.

💰 Your Assets Tell the Real Story That Hollywood Hills home that doubled in value? The Manhattan Beach investment property generating rental income? Your real estate portfolio represents your true financial strength - not last quarter's irregular 1099s.


A Different Approach: Asset-Based Lending

Smart creative professionals are discovering asset-based financing solutions that:

  • Focus on property equity instead of W-2 income verification

  • Close in 5-10 days instead of 60+ day bank timelines

  • Maintain complete confidentiality throughout the process

  • Offer flexible terms (10.99%+ rates, up to 45% LTV, interest-only options)

Cash Out Refinancing Terms: No Games – No Gimmicks

  • Interest Rates: 10.99% (no hidden rate increases)

  • Loan-to-Value: Up to 45% cash-out of your property value

  • Terms: Interest-only payments for 1, 3, or 5 years

  • Closing Time: 5-10 days from application to cash in hand

  • Based On: Your property equity, NOT your credit score or income documentation

LOAN AMOUNTS: $100,000 to $20,000,000


The Bottom Line

Your success shouldn't be limited by outdated banking models that don't understand modern creative careers. Your property equity should work as hard as you do.

If you're tired of explaining your industry to bankers who don't get it, let's talk.

What's been your biggest frustration with traditional banking? Share your story in the comments.


Gino Rodrigues - Acoma Capital PartnersDirect: (720) 724-4185 |

"I can get you a commitment letter in 24 hours"

ginorod@acomacapitalpartners.comConfidential consultations for creative professionals

Acoma Capital Partners, Inc. A Colorado Real Estate Company License # EC.100052724


AREAS WE SERVE: CO • CA • TX • WA • NV • OR • AZ • VA • MD • WV • DC • MA • NH • NC


Licensed hard money loan arrangements. Rates subject to property evaluation.


 
 
 

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