From application to funding — in five clear steps
No middleman, no mystery. We make decisions in-house and fund our own loans, which is the whole reason we can close in as little as 7 days.
- 01
Apply
Submit a short pre-qualification form. No upfront fees, no hard credit pull — tell us about your deal.
- 02
Get a Term Sheet
Receive a clear term sheet with rates, LTV, and terms — usually within 24 hours of review.
- 03
Underwriting
Our in-house underwriting team reviews the property and your project. Decisions are made directly — no middleman.
- 04
Close
Sign and close on your timeline. We coordinate with title so closing happens as fast as 7 days.
- 05
Fund
Funds are wired and, for rehab builds, draws release as your milestones are verified. You get to work.
What 7 days actually looks like
Speed isn't a marketing line — it's a function of being a direct lender. Here's how a fast close comes together.
Day 1 · Submit your deal
Complete the pre-qualification form and send your property and project details.
Day 1-2 · Term sheet issued
You receive rates, LTV, and terms — usually within 24 hours of review.
Day 2-5 · Underwriting & title
In-house underwriting reviews the property while title is ordered and cleared.
Day 5-7 · Close & fund
Sign at closing and funds wire the same day. Rehab draws follow as milestones clear.
What to have ready
A complete file is a fast file. Gather these before you apply and your term sheet comes together in days, not weeks.
- Government-issued photo ID
- Entity documentation (LLC/Trust) if applicable
- Purchase contract or HUD-1 (refinance)
- Property address and photos
- Rehab scope of work and budget (fix & flip / construction)
- Construction plans and permits (ground-up)
- Current lease or rent roll (DSCR / rental refinance)
- Preliminary title report or commitment
- Source of funds for cash to close
- Exit strategy (sale, refinance, or lease-up)
That's fine. Start your application and we'll tell you exactly what's needed for your specific program and deal.
Ready to fund your next deal?
Apply in minutes — no upfront fees, no hard credit pull. Get a term sheet from a direct lender, usually within 24 hours.