From submission to funding in four moves.
Our process is built to answer the only question that matters early: will this loan close, and on what terms. We tell you fast, then we execute.
Submit
Send the deal summary, or for a closing, the contract and closing notice. Property, basis, requested amount, and timeline are enough to start.
Soft terms in 24 hours
We underwrite the collateral and the exit using public records, comparables, and our own market knowledge, then issue soft terms within 24 hours and a pre-approval letter where the deal calls for it.
Diligence & docs
Expedited lender diligence: title, third-party reports, and documentation review, run to your closing date and coordinated with all parties.
Close & fund
Cash to close on the closing date. Renovation and construction draws are administered against inspected progress through payoff.
A clean file closes fast.
Basis
Purchase price and total cost relative to market value. We lend on real basis, not on aspiration.
Exit
A credible path to payoff: sale, refinance, or stabilized cash flow that services long-term debt.
Sponsor
Track record, liquidity, and skin in the game. Experience is priced in; so is its absence.
Collateral
Marketable, insurable real estate in markets we know, first lien in typical structures. Income-producing or with a clear path to it.