Our Loan Process
Simple, fast, and transparent. Get funded in as little as 5-10 days with our streamlined hard money lending process.
How It Works
Submit Your Application
Fill out our simple online application or give us a call. We'll need basic information about you, the property, and your loan request. No credit check required for pre-approval.
Property Evaluation
We evaluate the property based on its current value and after-repair value (ARV). Our team reviews comparable sales and market conditions to determine maximum loan amounts.
Receive Loan Terms
Within 24 hours, you'll receive a detailed loan proposal outlining interest rates, terms, fees, and closing timeline. We work with you to customize terms that fit your project.
Documentation & Underwriting
Provide property documentation including purchase contract, title report, and insurance. We handle the underwriting quickly with minimal paperwork compared to traditional lenders.
Closing & Funding
Once approved, we coordinate with your title company for a smooth closing. Funds are wired directly, often within 5-10 days from your initial application.
Typical Timeline
Submit application and receive pre-approval
Property evaluation and loan terms proposal
Documentation collection and underwriting
Final approval and closing coordination
Closing and funding
What You'll Need
- Purchase contract or property address
- Property insurance quote
- Entity documents (LLC/Corp if applicable)
- Proof of liquid assets for down payment
- Exit strategy documentation
- Driver's license or passport
* Additional documentation may be required depending on loan type and property.
Common Questions
How fast can I get approved?
We can provide pre-approval within 24 hours of receiving your application. Final approval typically takes 2-3 business days once we have all required documentation.
What credit score do I need?
While we do check credit, our loans are primarily asset-based. We focus on the property value and your exit strategy rather than your credit score. Borrowers with credit challenges are welcome to apply.
Do you require an appraisal?
In many cases, we can use our internal valuation system or a broker price opinion (BPO) to save time and money. Full appraisals may be required for larger loans or unique properties.
Can I get 100% financing?
We typically finance up to 90% of the purchase price and 100% of rehab costs for qualified borrowers and projects. Your down payment amount depends on property type, location, and your experience level.
What types of properties do you lend on?
We lend on residential investment properties, commercial real estate, multi-family buildings, and land. We do not lend on owner-occupied primary residences.
Ready to Get Started?
Apply now and receive a pre-approval within 24 hours. Our team is ready to help you fund your next real estate investment.