Getting funded is easier than you think. We lend on the property, keep the paperwork simple, and put a real person in your corner to guide you through every step.
Your Loan, Step by Step
No credit check, no waiting around. Our hard money loan process keeps you moving and tells you where you stand at every stage.
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01
Complete Your Application
Fill in two short online forms – one about you and one about the property. They only take a few minutes, and will be enough for one of our loan officers to give you a personalized quote.
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02
Review with Your Loan Officer
Next, your assigned loan officer calls to go through the property, your plans, and the numbers. Many of our team have first-hand experience of their own property investments, so they can tell you exactly what to expect at each stage.
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03
Underwriting and Documentation
Send the necessary documents, including a bank statement and proof of property insurance, and our team crunches the numbers. There’s no credit check. Instead, our underwriting team will evaluate the property's worth now and what it'll be worth after the work to determine if you’re eligible for funding.
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04
Closing
Your Loan Processor will work closely with you and your closing title company to meet your closing date. As a REIT we can move much more quickly than traditional lenders. Our hard money loan timeline is short – as few as 24 to 48 hours.
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05
Ongoing Support
The Loan Servicing team will ensure that you have all the loan support you need until your loan pays-off. Whatever comes up, from payments to draws to payoffs, you're dealing with someone who already knows your project.
No Credit Check Needed
We hold a first lien on the property and size every loan to its value, so the asset covers us if a project ever goes sideways. That security is why we don’t need to complete a credit check as part of our hard money loan process.
- We lend a portion of the value: On a $300,000 property, that's typically around $240,000, leaving a cushion between the loan and what the property is worth.
- You sign a personal guarantee: This sits alongside the lien as your commitment to repay, and it's standard on every loan we write.
- First-timers are welcome: With the value there to back the loan, a short track record is no barrier to getting funded.
What Happens After Funding?
Your journey from here depends on the type of loan. But whatever happens, you’ll have the same experienced team in your corner.
- Acquisition loan: Short-term funding holds the property while you line up long-term financing or a sale. When you're ready, pay us off and move onto your next project.
- Fix and flip loan: As you finish each stage of the work, you request a draw and we pay you back for what you've completed.
Your Next Investment Starts Here
Complete the short, online forms and we’ll get back to you with a personalized quote.
Want to Speak to a Loan Officer First?
Get in touch for a no-obligation call with one of our friendly loan officers.