Fast and Reliable Hard Money Fix and Flip Lenders in the Northeast
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
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