How Fast Can You Close? Our Funding Timeline
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
In real estate, speed is leverage. The investor who can close in a week wins deals the one who needs sixty days never gets a shot at — so “how fast can you fund?” is often the most important question a borrower asks. The honest answer depends on the product and how prepared you are, but the short version is that asset-based loans close in days to a couple of weeks, not the month-plus a conventional mortgage takes. Here’s what to actually expect, by product, from a direct lender that’s been funding investors since 2016.
Why Asset-Based Loans Close Fast
The speed comes from what we don’t do. There’s no income verification, no tax-return analysis, no debt-to-income calculation, and — because we’re a direct lender — no outside committee or broker chain. We underwrite the property, which means the main work is confirming value and a clean file. Fewer things to check and fewer hands on the file translate directly into a faster close. The lending process page walks through each step; this page is about how long those steps take.
Typical Timelines by Product
Every deal is different, but here’s a realistic picture for a clean, prepared file. Transactional funding closes same day to about 48 hours — the shortest financing in real estate, repaid almost immediately by your end-buyer’s sale. Bridge loans often close in about a week to two weeks, built for speed since the whole point is winning a time-sensitive deal. Hard money and fix-and-flip loans typically close in one to two weeks, where the valuation is usually the gating step. And DSCR loans run a bit longer, often two to three weeks, since long-term loans involve a full appraisal and rental analysis — still far faster than a conventional investment mortgage.
These are typical ranges for a prepared borrower, not guarantees; a complex property, a slow third party, or a missing document can extend any of them.
What Speeds You Up — and What Slows You Down
The single biggest variable is you. The fastest closings happen when the borrower has documents ready and numbers that hold up. What accelerates a close: a complete file submitted up front (use our loan document checklist), a clean comps package that supports your value, a responsive borrower, and a title company that’s ready to move. What slows a close: missing or late paperwork, an appraisal that comes in soft or takes time to schedule, title or lien issues on the property, and a borrower who’s hard to reach when we need a signature or a document. Almost every delay we see is preventable.
Plan Your Close Around the Real Constraint
Because the valuation is usually the longest single step, smart investors order it early and build their purchase contract’s closing date around a realistic timeline rather than an optimistic one. If a deal genuinely has to close in days, a bridge loan or transactional funding is the right tool; if you have a couple of weeks, the full range of products opens up. Tell us your deadline at the start and we’ll tell you honestly whether it’s achievable — that candor is part of why investors trust us with time-sensitive deals.
Funding Timeline at a Glance
Funding Timeline at a Glance
Frequently Asked Questions
Typically one to two weeks on a clean, prepared file, with the property valuation usually the gating step. That’s far faster than a conventional mortgage because we underwrite the asset rather than verifying your income.
Transactional funding, which can close same-day to within about 48 hours because it funds a double-close that’s repaid almost immediately by your end buyer. Bridge loans are next, often closing in about a week to two when speed is critical.
Because they’re long-term loans, they involve a full appraisal and a rental-income analysis, which add a few days versus short-term hard money. Even so, a DSCR loan closes much faster than a conventional investment-property mortgage.
Missing or late documentation, followed by valuation issues — an appraisal that’s slow to schedule or comes in soft. Both are largely preventable: submit a complete file up front and bring comps that support your value.
Often yes, if you come prepared. Have your documents ready before you apply, order the valuation early, stay responsive, and pick the right product for your deadline. Tell us your timeline at the start and we’ll tell you honestly what’s achievable.
On a deadline?
Tell us your closing date at the start and we’ll give you an honest read on whether it’s achievable — that candor is why investors trust us with time-sensitive deals.