The Process
How It Works
Getting funded shouldn't be complicated. Here's exactly how we take you from deal to closing — fast.
Simple. Transparent. Fast.
We've streamlined the lending process so you spend less time on paperwork and more time closing deals. Most borrowers go from application to funded in under 10 business days.
Tell us about the property and what you need.
Submit Your Deal
Fill out our short online application — no lengthy forms, no tax returns upfront. We just need the basics: property address, purchase price, estimated ARV, and your loan request. It takes about 5 minutes.
What you'll need
- Property address and type
- Purchase price and estimated ARV
- Loan amount requested
- Brief description of your exit strategy
A real person reviews your deal within 24 hours.
Speak With a Loan Advisor
One of our experienced loan advisors will reach out to discuss your deal, answer your questions, and confirm the right loan program for your situation. No automated runaround — just a direct conversation.
What you'll need
- 15–30 minutes for a quick call
- Any additional deal details or photos
- Your preferred closing timeline
Get your loan terms in writing — typically same day.
Receive Your Term Sheet
Once we've reviewed your deal, we issue a clear term sheet outlining your loan amount, rate, term, and fees. No surprises. You'll know exactly what you're getting before you commit to anything.
What you'll need
- Review and sign the term sheet
- Pay the appraisal deposit (if required)
- Provide any outstanding deal documents
We verify the deal — quickly and efficiently.
Underwriting & Appraisal
Our underwriting team reviews the property, title, and your background. For most deals, we order a desktop or drive-by appraisal to confirm value. This phase typically takes 3–5 business days.
What you'll need
- Purchase contract
- Entity documents (LLC, trust, etc.)
- Scope of work and rehab budget (Fix & Flip)
- Lease agreements (DSCR loans)
Sign docs, fund escrow, and close your deal.
Close & Get Funded
Once underwriting is complete, we send closing documents to your title company or attorney. You sign, we fund, and you close. Many of our borrowers close in as few as 7 business days from application.
What you'll need
- Title company or closing attorney
- Proof of insurance
- Down payment / equity contribution
- Government-issued ID
At a Glance
Typical Timeline
Borrower Requirements
Who Qualifies?
We work with a wide range of borrowers — from first-time investors to seasoned professionals with large portfolios. Our asset-based approach means the deal matters more than your tax returns.
Ready to Get Started?
Submit your deal today and hear back from a loan advisor within 24 hours.