A cash loan is a financial commitment. In order to apply for a cash loan, you should expect to have a substantial down payment (30 to 50%) for the purchase of real estate or have significant capital in your property for refinancing. Lenders with strong money almost always demand a down payment. The amount of the down payment may depend on factors such as the type of property and the borrower's project history with the lender.
The minimum down payment required by a lender with strong money may be higher than that of a traditional lender because they are willing to take more risks.