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Ask Speedy

Real estate financing.
Pre-vetted direct lenders only.

Ask Speedy is the real estate financing marketplace where ISOs and brokers source deals from pre-vetted direct lenders only. Loans from $5,000 to $10 billion+. Coverage: residential 1–4 unit (DSCR, fix-and-flip, BRRRR), commercial 5+ unit (multifamily, office, retail, industrial), agency, non-QM, and asset-based. Same-day approvals on hard money and bridge.

Get on the marketplace Residential or commercial?
Marketplace · Live

Direct lenders

47

Loan range

$5k–$10bn+

Same-day approvals

14 lenders

Doc tiers

Full · Low · No

Median rate (DSCR)

7.4%

Fastest close

3 days

Updated continuously

Why source real estate on Ask Speedy

Direct lenders. Pre-vetted. Performance public.

Built for ISOs and brokers, not borrowers. Speedy never competes with you.

Direct lenders only

No brokers in the vendor pool. Funding history, capital source, and licensure verified before access.

Performance, public

Time-to-terms, approval rate, average rate, fund speed. Every lender ranked, every deal scored.

One package, every vendor

Speedy auto-extracts docs and pre-underwrites to each lender's box. Submit to 1, 5, or 50 in one click.

Your client stays yours

White-labeled comms. Borrower never sees Speedy or the lender. Your brand, your relationship, your renewal.

Two segments. One marketplace.

Pick your lane.

1–4 units

Residential

Investor and business-purpose financing on 1–4 unit residential. DSCR, fix-and-flip, BRRRR, non-QM, hard money, bridge, owner-occupied business-purpose, HELOC. Wholesale and creative-financing structures included.

DSCR Fix-and-flip BRRRR Non-QM HELOC Owner-occ.
Open residential
5+ units

Commercial

5+ unit multifamily, office, retail, industrial, hospitality, mixed-use. Construction, value-add, term, agency. C-PACE for energy retrofits. Owner-occupied business-purpose and creative structures.

Multifamily 5+ Bridge Construction Term · agency PACE Wholesale
Open commercial

Cross-cut

Multifamily 5+ deserves its own page

Where small-balance scales into agency. Direct lenders for 5–500+ unit deals. Linked from both residential and commercial.

Open

Where the money comes from

Four capital sources. All direct.

Every vendor on the platform falls into one of four categories. All pre-vetted as direct lenders.

Private money

Individual + family-office capital

Asset-secured. Fast. Often no-doc or low-doc. Common for emergency, bailout, partner-buyout, default rescue.

Hard money

Institutional non-bank lenders

Short-term, asset-based. 3–14 day close. Hard money is for fix-and-flip, distressed acquisition, gap funding.

Bank financing

National + regional banks

Conventional, agency, term. Lowest rates when the borrower fits the box. Full-doc, slower close.

Credit unions

Member-funded lenders

Often best rates on owner-occupied and small commercial. Geographic and member-eligibility constraints.

The rate moat

Why our marketplace consistently produces the lowest rates.

Direct lenders compete openly. Performance is public. Brokers can't hide markups. Math wins.

Direct lender competition

Multiple direct lenders see the same package. Best terms win, not first-to-respond. Rates compress to clear the market.

No hidden markup

Brokers can't list as vendors. Your client gets the lender's rate, not a broker's rate plus a stack.

Performance-driven

The leaderboard shows who actually funded at what rate. Underperformers fall in ranking and lose deal flow until they fix it.

Math matters. See how rates affect a deal →

Dig deeper

The concepts that move every deal.

Asset-based lending

When the property is the underwrite. Coverage across hard money, bridge, private, and DSCR.

Open

Deal structures

Morby method, stack method, seller-carry, creative financing — woven into platform deals.

Open

How to qualify

No credit, low credit, full credit. Investment vs. owner-occupied. Even international scenarios.

Open

Time to close

Same-day, 3-day, emergency, bailout, partner-buyout, default rescue. Speed by lender.

Open

Full / low / no doc

Doc tier filters routing automatically. No-doc lenders see only no-doc deals.

Open

Deal math

DSCR formula, cap rate, LTV, ARV, debt yield, cash-on-cash. How rates change everything.

Open

FAQ

Direct answers.

Are all vendors on Ask Speedy direct lenders?
Yes. Every vendor is a pre-vetted direct lender. Ask Speedy does not allow brokers as vendors — ISOs and brokers source deals only, never compete with each other on the platform.
What is the loan range available?
Real estate loans on Ask Speedy range from $5,000 to $10 billion or more. Direct lenders cover small SFR rentals through institutional commercial deals.
How fast can a deal close?
Same-day approvals are common for hard money, bridge, and asset-based deals. Standard DSCR and conventional close in 21–30 days. Emergency, bailout, partner-buyout, and default scenarios get expedited routing.
What loan products are available?
DSCR, hard money, bridge, fix-and-flip, BRRRR, non-QM, agency (Fannie/Freddie), portfolio, HELOC, owner-occupied business-purpose, term financing, wholesale, and seller-financing structures. Plus PACE for commercial energy retrofits.
Are full-doc, low-doc, and no-doc loans all available?
Yes. The marketplace covers full doc, low doc, and no doc tiers. Doc tier is filtered upfront so ISOs only see lenders matching their borrower's documentation profile.
How are direct lenders vetted?
Every direct lender is verified before access — funding history, capital source, licensure, and references checked. Performance is tracked publicly: time-to-terms, approval rate, average rate, fund speed. Underperformers lose access.

Real estate financing, sourced from the rails up.

Get on the marketplace All marketplaces

Updated 2026-05-10