You’ll find the fastest closings with these five lenders: Kiavi delivers 7-day closings on fix-and-flip loans up to $3MM with no appraisals, while Easy Street Capital funds deals in 48 hours without income verification. DoubleClose.com provides same-day transactional funding for wholesalers at 1% fees, Washington Capital Partners offers up to $10M with zero down payment, and Jet Lending closes Texas deals in 3 days with 100% financing. Each lender specializes in specific transaction types that’ll match your deal structure and timeline requirements.
Key Takeaways
- Kiavi closes loans in 7 days using machine learning platforms, eliminating appraisals and offering up to 95% LTV financing.
- Easy Street Capital provides 48-hour funding without appraisals, delivering term sheets within 24 hours for time-sensitive acquisitions.
- DoubleClose.com offers same-day transactional funding for wholesalers with no credit checks, income verification, or collateral required.
- Washington Capital Partners funds loans up to $10 million with 90% loan-to-cost ratios and rates starting at 7.75%.
- Jet Lending completes standard closings in 7-10 days with expedited deals closing in 3 days post-clear-to-close.
Kiavi: Industry-Leading Fix-And-Flip Financing With 7-Day Closings
Speed separates winning bids from lost opportunities in competitive fix-and-flip markets. Kiavi delivers 7-day closings with loans from $100K to $3MM, enabling you to compete directly against cash buyers. You’ll access up to 95% LTV, 100% LTC, and 80% ARV financing—leverage that maximizes your capital efficiency across multiple deals.
Their machine learning platform eliminates traditional friction points: no appraisals, no income verification, no application fees. You’ll receive real-time pricing and 24/7 pre-qualification letters through their online portal. Competitive loan rates start at 7.75% with flexible 12, 18, or 24-month terms featuring interest-only payments.
Kiavi’s in-house servicing and dedicated support team streamline transactions from application to closing. Their in-house valuation teams bypass traditional appraisal waits by evaluating properties through inspection reports and recent sales comps. Their advanced analytics optimize fix and flip strategies, letting you scale your portfolio without conventional lending hassles like W2s or third-party valuations. Kiavi’s technology platform is powered by billions of data points collected from over 100,000 completed projects nationwide.
Easy Street Capital: 48-Hour Funding Without Appraisals
When 48 hours determines whether you capture a distressed asset or watch it slip to another investor, Easy Street Capital’s no-appraisal funding model delivers the execution speed your deals demand. Their residential conversion loans close in two days flat, eliminating valuation delays that kill time-sensitive acquisitions.
You’ll access capital exceeding $5 million per unit with competitive interest rates starting at 8.90%. The streamlined underwriting requires minimal documentation—no tax returns, no income verification, no extensive bank statements. Just basic property details and borrower information. This financing structure accommodates everything from single-family homes to multi-unit properties and other investment assets.
Term sheets arrive within 24 hours of submission, giving you immediate deal certainty. The 600 minimum credit score and 75% LTV structure accommodates most investors, while discretionary underwriting focuses on project feasibility rather than rigid credit metrics. The company’s EasyFix program specializes in fix-and-flip and bridge loans with expedited approval processes. Operating nationwide across 48 states, Easy Street Capital positions itself as transaction execution specialists built for investor timelines.
DoubleClose.com: Same-Day Transactional Funding for Wholesalers
Real estate wholesalers face a fundamental capital problem: you’ve locked a property under contract at $200K, found an end buyer at $235K, but lack the $200K to close the A-B transaction before flipping to your buyer.
DoubleClose.com solves this through same-day transactional funding. Their wholesaler strategies eliminate traditional barriers—no credit checks, income verifications, or collateral requirements when both closings happen simultaneously with one title company. You’ll pay 1% ($750 minimum) on transactions under $1M, with funding advantages including instant approval and digital signatures enabling remote closings. Unlike bank financing requiring 2-3 weeks for approval and 20%-30% down payments totaling hundreds of thousands, this approach requires zero personal financial qualifications. The platform provides 100% LTV funding, covering the entire purchase price without requiring any down payment from wholesalers.
The mechanics are straightforward: they fund your purchase from the original seller, you immediately sell to your end buyer, and their loan gets repaid from proceeds—all within hours. This positions you to scale operations without personal capital exposure across any property type nationwide.
Washington Capital Partners: High-Value Loans up to $10m With No Down Payment
While same-day transactional funding works perfectly for wholesale flips, larger-scale investors need capital structures that can finance multi-million dollar acquisitions without tying up personal reserves. Washington Capital Partners delivers exactly that—loans up to $10 million with zero down payment required on select programs. Their 90% loan-to-cost ratios let institutional investors and experienced developers deploy capital efficiently across fix-and-flip, new construction, rental properties, and bridge financing. Operating as a direct lender throughout DC, Maryland, Virginia, Pennsylvania, and North Carolina, they’ve built their reputation on same-day approvals and fast closings. Rates start at 7.75% with origination fees around 1-2 points. The loan flexibility extends to 100% construction cost coverage on rehabs, no seasoning periods on rentals, and no prepayment penalties—critical advantages when timing determines profitability. Beyond competitive rates, Washington Capital Partners functions as a long-term partnership resource rather than a transactional lender. All loans are serviced completely in-house, ensuring consistent communication and streamlined processing throughout the life of the loan.
Jet Lending: 100% Financing and 3-Day Texas Closings
Texas investors closing wholesale deals or time-sensitive flips face a recurring bottleneck—lenders who can’t fund fast enough or require substantial cash at closing that kills deal velocity.
Jet Lending eliminates both constraints. Their asset based lending model finances up to 70% ARV with zero out-of-pocket costs at closing for Texas deals—repair budgets, title fees, and closing costs roll directly into the loan. You’re signing documents without writing checks.
Their in-house underwriting delivers rapid decisions, with standard closings in 7-10 days and expedited deals funding in 3 days post-clear-to-close. Speed trumps rate when you’re competing for discounted inventory or auction properties requiring immediate capital deployment. The interest-only payment structure keeps monthly carrying costs minimal during renovation phases, allowing investors to preserve cash flow while executing their fix-and-flip strategy.
With $633 million funded across 3,950+ loans since 2004, they’ve built infrastructure around transaction velocity—not bureaucratic loan committees that stall deals. Beyond fix-and-flip projects, their DSCR driven loans support investors purchasing or refinancing rental properties for long-term wealth building.
Frequently Asked Questions
What Happens if My Quick-Funding Loan Application Gets Denied?
You’ll face loan denial consequences like transaction delays and lost contracts, potentially killing your deal. However, you’ve got alternative financing options including private lenders, hard money sources, and portfolio lenders who can salvage the closing quickly.
Can I Use Quick-Funding Loans for Primary Residences or Rentals?
You can use quick-funding loans for both, but primary residence options require higher down payments and income verification under Dodd-Frank, while rental property criteria focus on asset value, LTV ratios, and documented rental income potential.
How Do Prepayment Penalties Work With Short-Term Real Estate Loans?
Most short-term loans don’t carry prepayment penalties since you’re flipping or refinancing quickly. Some lenders charge minimal backend fees—around 1%—but full penalties kill deal velocity. Always negotiate these upfront to protect your exit flexibility and returns.
Are There Credit Score Minimums Even With Asset-Based Lending?
Most asset-based lending programs still maintain credit score requirements, typically 620-660 minimum, though collateral strength matters more. You’ll find some lenders without strict minimums, but they’re exceptions—not the norm in real estate transactions.
What Closing Costs Should I Expect Beyond Interest and Points?
You’ll see a closing cost breakdown including loan origination (0.5-1%), appraisal ($300-600), title insurance, escrow fees, and prepaid taxes/insurance. Expect additional fees totaling 2-5% of your purchase price beyond your interest rate and points.
Conclusion
You’ve got the playbook now—whether you’re flipping properties, wholesaling deals, or closing high-dollar transactions, speed matters. Kiavi delivers for fix-and-flippers, Easy Street cuts through red tape, DoubleClose keeps your wholesale pipeline moving, Washington Capital scales your ambitions, and Jet Lending owns the Texas market. Pick your lender based on your deal structure, not your timeline. These five won’t slow you down when you’ve got a hot property under contract and need capital yesterday.
