A private lender can typically close an investment property loan in one to three weeks, compared with 30 days or more at most banks. At Clion Capital, we issue term sheets within 24 hours and close fix-and-flip and bridge loans in 7 to 10 business days once the appraisal and title are in.
Why Are Private Lenders Faster Than Banks?
Banks verify personal income, run committee approvals and follow consumer mortgage timelines. Private lenders make business-purpose loans, which are exempt from most of those consumer rules (consumerfinance.gov). We underwrite the property and your plan, and the people who approve the loan are the people you talk to.
Fewer hands. Faster answers.
How Long Does Each Loan Type Take?
| Loan type | Typical private lender timeline | Clion Capital |
|---|---|---|
| Fix-and-flip | 1 to 3 weeks | 7 to 10 business days |
| Bridge | 1 to 3 weeks | 7 to 10 business days |
| New construction | 2 to 4 weeks | Quoted per project |
| DSCR rental | 3 to 5 weeks | Quoted per deal |
Term sheets come within 24 hours of a complete quote request at Clion Capital.
What Speeds Up or Slows Down a Closing?
- Appraisal timing. Usually the longest step. Give access to the property right away.
- Title and insurance. Open title the day you sign the contract.
- Entity documents. Have your LLC paperwork ready.
- Rehab budget. A clear line-item scope avoids back-and-forth.
- Experience. Repeat borrowers close faster because we already have their file.
Why Does Closing Speed Matter So Much?
Fast closings win deals, especially distressed ones. Foreclosure filings reached 227,548 properties in the first half of 2026, up 21%, and bank repossessions rose 33% (attomdata.com). Those sellers often take the most certain offer, not the highest.
Investors also face plenty of competition, buying 27% of U.S. single-family homes from March to June 2026 (cotality.com). A seven-day close can beat a higher bid that needs 45 days.
How Do You Close in 7 to 10 Days?
- Get a quote at apply.clioncapital.com before you make offers.
- Sign the term sheet and pay for the appraisal the same day.
- Open title and order insurance immediately.
- Send entity documents, bank statements and the rehab budget in one package.
Read about how repeat borrowers close faster, private lender vs. bank and how fix-and-flip loans work. Then get your rate at apply.clioncapital.com.
Why speed is worth money: on a $250,000 distressed purchase, a seller choosing between your $245,000 offer closing in 10 days and a $250,000 offer closing in 45 days often takes yours. That $5,000 discount can cover a large part of your financing cost.
Frequently Asked Questions
How fast can a private lender close a fix-and-flip loan?
Typically one to three weeks. Clion Capital closes fix-and-flip and bridge loans in 7 to 10 business days once the appraisal and title are complete.
Why do banks take longer to close?
Banks verify personal income, follow consumer mortgage timelines and use committee approvals. Business-purpose private loans skip most of those steps.
What is the slowest part of a private loan closing?
Usually the appraisal and title work. Ordering both on the day you sign the term sheet keeps the timeline short.
How fast does Clion Capital issue a term sheet?
Within 24 hours of a complete quote request.
Do repeat borrowers close faster?
Yes. When we already have your entity documents and track record, the file moves faster on every new deal.
Last updated October 27, 2026.
Sources and References
- CFPB: Regulation Z §1026.3, Exempt Transactions
- ATTOM: Foreclosure and REO Activity, First Half of 2026
- Cotality: Investor Report, Q2 2026
- Clion Capital: fix-and-flip and bridge loans
About the Author
Clion Capital is a direct private lender for professional real estate investors, offering fix-and-flip, bridge, new construction and DSCR rental loans. Our principals work directly with every borrower, and 70% of our business comes from repeat clients. See your rate instantly at apply.clioncapital.com or learn more about Clion Capital.