Our process

From first call to funded

A transparent process with one point of contact. You will always know where your deal stands, what is outstanding and who is holding it up.

1

Submit the deal

Complete the borrower application or send what you have. We need the property, the purpose, the amount and the timeline to get started — not a full package.

2

Structure and strategy call

Within one business day we review the deal, tell you candidly whether it is financeable, and lay out the realistic structures and pricing available.

3

Package and place

We build the lender package and take it to the specific capital sources that fund your profile — a competitive process, not a single submission.

4

Term sheets and selection

Typically 24–48 hours once supporting documents are in. We present the options side by side, explain the trade-offs beyond the rate, and negotiate the terms.

5

Diligence to close

We manage the checklist, coordinate appraisal, title, insurance and legal, and hold every party to the closing date. On the right deal, closings can happen in as little as 5 business days.

6

After the close

We track your maturity dates and market conditions, and come back to you before the next financing event — not after.

Stage by stage

What actually happens at each step

Open any stage for the detail, including what we need from you and how long it takes.

Stage 1 — Submitting the dealWhat to send, and what can wait

You do not need a complete package to start. Four things get a useful conversation going: the property address, what the money is for, how much you need and when you need it.

If you already have a rent roll, operating statements, a purchase contract or your existing loan terms, attach them. Documents shorten the path to a term sheet considerably, which is why the 24 to 48 hour window runs from when supporting files arrive rather than from submission.

Everything you send is confidential and shared only with lenders being considered for your transaction.

Stage 2 — The structure callAn honest read, including when the answer is no

Within one business day we come back with our read: whether the deal is financeable as presented, what structures fit, what leverage is realistic and roughly where pricing lands.

Sometimes the answer is that the deal does not work in its current form. If so we will say it plainly and explain what would need to change — more equity, a different structure, a revised timeline or a stronger sponsor position. That conversation is free and it saves everyone weeks.

Stage 3 — Building and placing the packageHow your deal is presented to the market

We assemble the file the way lenders want to receive it: an executive summary, the underwriting, sources and uses, sponsor background, property detail and the supporting documents, organised rather than dumped.

Then it goes to a targeted list. Not a blast — a specific set of lenders chosen because their box, their appetite and their timeline fit this transaction. Several lenders reviewing in parallel is what creates real competition on terms.

Stage 4 — Reading term sheets properlyWhy the headline rate is not the deal

When quotes come back we lay them side by side and walk you through what actually differs. Rate matters, but so do origination and exit fees, prepayment structure, recourse, reserve requirements, extension options and the conditions attached to funding.

A slightly higher coupon with no exit fee and a clean extension option is frequently the cheaper loan over the life of the business plan. We will show you the arithmetic rather than asking you to take our word for it.

Stage 5 — Diligence and closingKeeping the file moving to the funding date

Once a term sheet is signed the work becomes coordination: third-party reports ordered, title and survey underway, insurance matched to lender requirements, entity documents assembled, counsel engaged on both sides.

We track every open item and chase it. Your portal shows the same live list — what has been received, what is outstanding and what stage the file is at — so you are never guessing.

Stage 6 — After the loan fundsWhy the relationship does not end at closing

We record your maturity date and the terms of your loan. As that date approaches, and as market conditions move, we come back to you with a view on whether a refinance makes sense and what the options look like.

Most borrowers start shopping a maturing loan far too late, which limits leverage on both terms and timing. Being ahead of it is worth real money.

Start the conversation

Submit the property, purpose, amount and timeline. You will have our read within one business day.

Apply for Financing