Time to close.

Speed-by-product breakdown for real estate financing on the marketplace. Same-day approvals on hard money and private money. 3-day close possible. Emergency, bailout, partner-buyout, default rescue, foreclosure auction — direct lenders pre-vetted on the platform for every speed-sensitive scenario.

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Speed by product

Real-world close timelines.

Product	Approval	Funding	Best for
Private money	Same-day	24-72 hrs	Emergency, foreclosure, default rescue
Hard money	Same-day	3-7 days	Fix-and-flip, distressed acquisition
Transactional / wholesale	Same-day	Same-day	Double-close A-to-B-to-C, earnest money
Bridge	24-72 hrs	7-14 days	Pre-stabilization, value-add, partner buyout
DSCR	3-5 days	21-30 days	Stabilized rental purchase or refi
Non-QM	5-7 days	30-45 days	Self-employed, bank statement
Agency / term	14-21 days	45-60 days	Stabilized multifamily, lowest rate
Construction	14-21 days	30-45 days	Ground-up, mid-construction takeover

Speed-sensitive scenarios

When speed matters more than rate.

Foreclosure rescue / pre-foreclosure

Direct private money lenders specialize. Refinance the borrower out of default before the foreclosure sale. 3-7 day close typical.

Foreclosure auction acquisition

Same-day approval, cash-equivalent funding. Direct hard money lenders pre-funded for auction buyers.

Partner buyout

Bridge or hard money refinance to pay out the exiting partner. 7-14 day close. Bridges to long-term takeout.

Distressed seller (motivated)

Seller needs to close fast. Hard money or private money close in days. Earnest money funding available.

Default cure

Existing loan in default. Direct rescue lenders refinance before maturity or foreclosure. Property equity drives the underwrite.

Bankruptcy emergence (Chapter 11)

Specialized direct lenders for borrowers emerging from BK. Asset-based underwriting; some lenders skip BK seasoning.

FAQ

Time to close, answered.

What is the fastest real estate loan close possible?

Same-day approval and 24-72 hour funding on private money and select hard money. Transactional / wholesale funding can close same-day for A-to-B-to-C deals. Realistic 3-day hard money close is the platform standard.

What is an emergency real estate loan?

Emergency real estate loans address time-sensitive scenarios: foreclosure rescue, partner buyout, default cure, distressed seller acquisition, or business-purpose cash needs. Direct hard money and private money lenders on the platform specialize in these scenarios with same-day approval capability.

How long does a DSCR loan take to close?

DSCR purchase typically closes in 21-30 days from full application. DSCR cash-out refinance: 30-45 days. Faster closings (15-20 days) available from select direct lenders for clean files with full doc and seasoned LLCs.

Can a bridge loan close fast enough for a partner buyout?

Yes. Direct bridge lenders on the platform routinely close partner-buyout deals in 7-14 days. The structure is straightforward — buyer refinances the seller-partner out of the property at a higher loan amount, paying them their equity share.

What about default rescue or pre-foreclosure?

Direct private money and hard money lenders specialize in default rescue scenarios — refinance an existing loan in default before foreclosure sale. Speed is critical: 3-7 day close typical. Property equity drives the underwrite.

Speed sourced from direct lenders.

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Updated 2026-05-10