How Fast Can You Close with a Hard Money Loan? What Real Estate Investors Should Know
Disclaimer: This blog is for informational purposes only and should not be considered financial, legal, or investment advice. Please consult with a qualified advisor before making financing decisions.
In competitive markets, speed wins deals—and traditional bank financing rarely moves fast enough for serious investors. That’s why many turn to hard money loans, a private lending solution known for fast approvals, flexible underwriting, and reliable execution.
At QuickLend Capital, we work with real estate investors across Florida, Texas, the Carolinas, Georgia, and New York, helping them close in as little as 5 to 10 business days using asset-based hard money financing.
But how fast is fast—and what can delay or accelerate the process?
Let’s break it down.
How Fast Can a Hard Money Loan Close?
Most hard money loans can close in 5–14 business days, depending on the complexity of the deal, how quickly documents are submitted, and the property type.
Typical timelines:
Simple residential flip: 5–7 business days
Bridge loan on rental property: 7–10 business days
Construction or multi-unit deal: 10–14 business days
What Makes Hard Money Loans Close Faster?
Asset-Based Underwriting
No income verification or tax returns. We evaluate the deal—not your job.Minimal Documentation
Basic personal info, LLC docs, property details, and a short loan scenario.Streamlined Appraisal Process
Many deals qualify for drive-by or desktop appraisals, reducing turnaround time.In-House Decision Making
QuickLend Capital approves and funds loans directly. No middlemen = no delays.
What Can Slow Down a Hard Money Closing?
Title issues or delayed title reports
Incomplete borrower documents (ID, insurance, rehab budget, etc.)
Property not being delivered vacant or rent-ready as agreed
Unclear exit strategy or uncertain borrower structure
How to Speed Up Your Closing
Have your purchase contract ready and signed
Get entity documents and insurance in order early
Submit a clean, simple loan scenario with budget and comps
Respond to requests within 24 hours
Work with a lender who knows how to close fast (that’s us)
Why Speed Matters
If you're wholesaling, flipping, or trying to beat competing offers, the ability to close in 7 days can:
Help you win the deal
Strengthen broker relationships
Avoid costly delays and price increases
Unlock off-market inventory before it hits the MLS
Why Investors Choose QuickLend Capital
We’re built for speed. Here’s what we offer:
Closings in 5–10 business days
Up to 90% purchase / 100% rehab
Minimal documentation
Nationwide coverage
Dedicated support from loan scenario to closing table
Need to close fast on your next deal?
Submit a loan scenario to QuickLend Capital and get same-day feedback.
Disclaimer: This content is for informational purposes only and should not be considered financial advice. Contact a licensed professional for specific lending guidance.