Published closing times can make hard money fix and flip lenders look easy to compare. But lenders do not always measure that timeline from the same point. Some publish a typical closing window, while others highlight a fastest-case timeline that applies only after an appraisal, completed file, or other closing requirements are already in place.
That matters for a Northeast investor working toward a fixed closing date. A five-day claim is only useful if you know when the clock starts and what still has to happen before funding.
We compared six fix and flip lenders serving the Northeast based on their published closing timeline, quote or initial decision speed, regional coverage, and lending structure. Where lenders use different starting points or conditions for their stated timelines, we call that out.
1. Stormfield Capital: Fast Fix and Flip Lending With an In-House Underwriting
Stormfield publishes a typical hard money Fix and Flip closing window of 7–10 business days, with financing available in as fast as seven days on qualifying deals.
Closing speed
Typically 7–10 business days.
Quote speed
Investors can start with an instant indicative quote, rather than waiting for a full underwriting process before seeing whether a deal may fit.
Northeast coverage
Connecticut, New York, New Jersey, Pennsylvania, Massachusetts, Rhode Island, Maine, New Hampshire, and Vermont are Stormfield’s nine core markets.
How the process is structured
Stormfield funds and holds its Fix and Flip loans on its own balance sheet. Credit decisions and servicing stay in-house, and renovation draws are managed internally after closing. There are no loan sales or third-party servicing handoffs.
For an investor working toward a specific closing date, that structure matters because the published speed is paired with direct control over underwriting, funding, and the loan after closing.
2. We Lend: Fast Fix and Flip Funding With In-House Decisions
We Lend publishes some of the shortest timelines in this group, although investors should pay attention to which timeline applies to their deal.
Closing speed
Its FAQ says We Lend generally works on a 7-business-day turnaround for a first-time borrower and 3 business days for a returning borrower. Its homepage currently advertises an even shorter 1-3 business day close.
Because those numbers are presented differently across the site, a borrower should confirm the expected timeline for the specific transaction rather than assuming the shortest advertised number applies.
Quote speed
We Lend’s current homepage advertises a term sheet in one hour.
Northeast coverage
We Lend operates across most of the Northeast. Its published exclusions include Vermont, along with Arizona, Minnesota, North Dakota, Nevada, South Dakota, and West Virginia.
Lending process
We Lend describes its capital as family-backed rather than institutional. It also says underwriting and lending decisions are handled in-house, without a separate credit committee or approval layer.
That combination makes We Lend particularly relevant for investors who want a quick initial answer and a short published funding window.
3.Easy Street Capital: The Shortest Advertised Best-Case Closing Window
Easy Street publishes the shortest potential closing time among the lenders in this comparison, but its stated timeline comes with an important condition.
Closing speed: Easy Street’s EasyFix page advertises closings in as little as 24 hours. However, the FAQ on that same page says it can fund a Fix and Flip loan in as little as 48 hours if all parties are prepared to close.
That makes 24-48 hours a best-case closing window, rather than a typical timeline borrowers should assume for every deal.
Quote speed: The application itself takes about one minute to submit, after which the loan request is reviewed by the Easy Street team.
Northeast coverage: Easy Street lends broadly across the Northeast.
How the process is structured: Easy Street describes itself as a direct private lender with discretion over its lending decisions. Most EasyFix transactions do not require an appraisal, which can remove one step from the process.
4. New Silver: Fast Digital Approval and Fix and Flip Funding
New Silver approaches speed primarily through its online underwriting process.
Closing speed
Its current Fix and Flip page advertises a 7-day close. New Silver separately says Fix and Flip loans can close in as little as five days with an expedited appraisal.
Quote speed
Borrowers can complete New Silver’s automated underwriting process online. The company says this takes under five minutes, after which qualifying borrowers can access a preliminary term sheet and proof of funds letter immediately.
Northeast coverage
New Silver currently lists Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island among its lending states. Vermont is not currently listed.
Investors should also check property-level and city-level eligibility before relying on statewide availability.
Lending process
New Silver identifies itself as a licensed direct lender that originates and services investment-property loans. Its current disclosures also reference warehouse lenders, loan purchasers, capital partners, and securitization, so its funding model should not be described as purely balance-sheet lending.
For borrowers who value a fast, digital-first response, the instant term sheet and proof of funds are the clearest differentiators.
5. Kiavi: Seven-Day Fix and Flip Closings With In-House Valuation
Kiavi combines a broad national footprint with a technology-led underwriting and valuation process.
Closing speed
Kiavi’s current Fix and Flip page says investors can close in as few as seven days.
Quote speed
Borrowers can generate pre-qualification letters online 24/7. Kiavi also provides an online financing estimate that uses property and rehab information to estimate ARV, cash to close, and pricing.
Northeast coverage
Kiavi currently lends in 49 states and Washington, D.C. Its published Fix and Flip state list includes all nine Northeast states used in this comparison.
Lending process
Kiavi uses an in-house valuation process rather than requiring a traditional third-party appraisal for Fix-and-Flip loans. It also services its bridge and Fix and Flip loans in-house.
Kiavi regularly uses rated securitizations and institutional capital markets to create funding capacity for residential transition loans.
Its published seven-day timeline is a useful reminder that capital structure alone does not determine closing speed.
6. InstaLend: Same-Day Commitment With a Longer Closing Window
InstaLend is fast at the front end of the process, although its published Fix and Flip closing window is longer than several lenders above.
Closing speed
InstaLend says its Fix and Flip loans can close in as little as 10 days and typically close in 10-14 days.
Quote speed
The Fix and Flip page lists 24-48 hours for pre-approval. InstaLend’s broader site also advertises a same-day loan commitment after submission.
A same-day commitment and a funded closing are different stages, so investors should not treat those numbers as interchangeable.
Northeast coverage
InstaLend says it lends in 46 states. Its current exclusions are North Dakota, South Dakota, Arizona, California, and Utah, which leaves the Northeast states within its stated footprint. Its site specifically identifies New Jersey, New York, Pennsylvania, Massachusetts, and Connecticut among the markets it serves.
Lending process
InstaLend uses asset-based underwriting, but its Fix and Flip product page does not clearly identify the capital source behind the loans.
For an investor comparing lenders primarily on speed, the distinction to note is that InstaLend offers a fast initial commitment but publishes a longer funding window of 10-14 days.
Fast Hard Money Lenders for Fix and Flip in the Northeast
| Lender | Published Closing Time | Quote / Initial Decision | Northeast Coverage | Lending Process |
|---|---|---|---|---|
| Stormfield Capital | As few as 7 business days | Instant quote; indicative terms generally within 24 hours | CT, NY, NJ, PA, MA, RI, ME, NH, VT | Balance-sheet lender; underwriting, funding, servicing, and draws handled in-house |
| We Lend | 7 business days for first-time borrowers; 3 days for returning borrowers | Term sheet in about 1 hour | Broad Northeast coverage except VT | Family-backed capital; decisions made in-house without a credit committee |
| Easy Street Capital | As little as 24-48 hours when the file is ready | Term sheet within 24 hours | All nine Northeast states | Direct private lender; most EasyFix deals do not require an appraisal |
| New Silver | 7 days; as little as 5 days with expedited appraisal | Instant preliminary term sheet and proof of funds | Eight Northeast states; VT excluded | Direct lender with automated underwriting; also uses outside capital partners |
| Kiavi | As few as 7 business days | Online pre-qualification available 24/7 | All nine Northeast states | Digital underwriting, in-house valuation and bridge servicing; uses capital-markets funding |
| InstaLend | Typically 10-14 days | Pre-approval in 24-48 hours; same-day commitment advertised | 46 states, including its listed Northeast markets | Asset-based underwriting; capital source is not clearly described on the Fix and Flip page |
Published information checked August 2026. Programs, timelines, and geographic availability can change.
What to Confirm Before Relying on a Fast Closing Timeline
The fastest advertised number is not always the most useful. Before committing to a lender, ask exactly what needs to happen for its published timeline to apply.
When does the clock start?
A seven-day timeline might begin with the application, a completed file, an appraisal, or another milestone. Ask the lender to define day one.
Is the timeline typical or best case?
“As little as five days” is different from “typically seven to ten days.” Knowing which one you are being quoted makes comparison easier.
What could still delay the close?
Ask whether title, appraisal, entity documents, insurance, renovation scope, or another third party still has to complete work before funding.
Who can decide if something changes?
A fast initial approval is less useful if a change in the deal has to move through another approval layer. Find out who has final authority before the file reaches closing.
Frequently Asked Questions About Fast Fix and Flip Lenders
What is the difference between a fast quote and a fast closing?
A quote, pre-approval, or term sheet tells you whether a lender is interested in the deal and what preliminary terms may look like. Closing occurs only after underwriting and closing requirements are completed. A lender can therefore provide a same-day decision without funding the loan that same day.
Do fast, hard money lenders guarantee the closing date?
No. Published closing timelines are subject to the lender’s requirements and the specifics of the transaction. Investors should confirm when the timeline begins, what documents or third-party work remain outstanding, and whether the lender considers the quoted timeline typical or a fastest-case scenario.
