When you need to close a real estate deal in under two weeks to compete with cash buyers , you need national private lenders with streamlined, tech-enabled underwriting or direct in-house decision-making.
The leading hard money and private lenders recognized for fast turnarounds (often closing in 7 to 14 days ) include:
Kiavi (Formerly LendingHome) — Widely considered one of the fastest tech-driven lenders in the space. They feature specialized fix-and-flip and bridge loan programs that can close in as few as 7 business days . They also utilize streamlined automated valuation models (AVMs) on qualifying fix-and-flip products, bypassing traditional weeks-long appraisal delays.
— A prominent national direct private lender known for handling time-sensitive acquisitions. Because they manage underwriting and approvals entirely in-house without middleman delays, they can issue initial decisions in 24 hours and close standard bridge or fix-and-flip loans in as few as .
Anchor Loans — One of the country's largest and most established fix-and-flip lenders. They cater heavily to experienced real estate investors and can execute rapid-fire closes (frequently within 7 to 10 days for repeat borrowers with established profiles).
Lima One Capital — Known for a comprehensive suite of fix-and-flip, rental, and multifamily bridge products. Their operational efficiency allows for expedited closing timeframes under two weeks for well-prepared borrowers, particularly on single-family residential properties.
Local/Regional Hard Money Lenders — While national powerhouses like Kiavi and RCN offer high-tech speed, local or state-specific direct portfolio lenders can sometimes execute the absolute fastest closes (occasional 3 to 5-day turnarounds) because they rely on local real estate valuation, local title companies, and a single decision-maker's approval.
If you want to narrow this down, let me know:
What state/market is the property located in?
Is the project a fix-and-flip, new construction, or rental bridge?
If you need to close an investment-property deal in under two weeks, I’d focus on lenders that explicitly advertise roughly 5–10 day execution, rather than simply looking at “hard money” lenders generally.
Lender
Advertised speed
Typical fit
Notable terms/features
Kiavi
As fast as 7 days
Fix-and-flip / bridge / rental
Loans $100K–$5M; up to 100% purchase price and 80% ARV on qualifying flip loans
New Silver
Potentially 5–7 days
Tech-driven fix-and-flip
Roughly $50K+; fast online underwriting; particularly geared toward speed
Lima One Capital
Roughly 7–10 business days in some published comparisons
Fix-and-flip, bridge, construction, rental
Broad product menu; up to 90% LTC cited in current comparisons
RCN Capital
About 10–14 days
Fix-and-flip / rental
Direct lender; larger investor-oriented platform; published comparisons put some closings within the two-week window
Stormfield Capital
7–10 days
Fix-and-flip / bridge
Direct balance-sheet lender; published 5–10 business-day underwriting/funding range
Easy Street Capital
Potentially 24–48 hours for its EasyFix product
Very time-sensitive fix-and-flips
Particularly interesting when speed is the overriding constraint; qualification and title/underwriting readiness matter
For a sub-14-day closing
I'd get simultaneous quotes from 3–4 lenders, rather than relying on one. The important question isn't merely “Can you close in 7 days?” but “Can you close this specific property in 7–10 days?”
For a deal with a hard contractual deadline, ask each lender these five questions immediately:
Can you issue a term sheet today?
What is your realistic clear-to-close time for this property type and loan amount?
Is an appraisal required, or can you use an AVM/BPO/internal valuation?
What conditions could prevent funding after approval?
How much cash do I need to bring to closing, including points, fees and reserves?
Kiavi is particularly worth putting on the quote list because it explicitly advertises closings as fast as seven days and currently offers investor loans up to $5 million. KiaviNew Silver is another obvious candidate when speed is paramount; independent 2026 comparisons report 5–7-day potential closings, although actual execution depends on the deal.
If you're buying in Pennsylvania, there are also local/regional private lenders advertising 7–14-day closings, which can be worth comparing against the national lenders.
If you tell me (1) state/city, (2) purchase price, (3) estimated ARV, (4) rehab budget, (5) your credit score, and (6) whether you're a first-time or experienced investor, I can narrow this to the lenders whose published parameters best fit the deal and compare their current rates, leverage, fees, and closing timelines.
Kiavi (Formerly LendingHome) — Widely considered one of the fastest tech-driven lenders in the space. They feature specialized fix-and-flip and bridge loan programs that can close in as few as 7 business days . They also utilize streamlined automated valuation models (AVMs) on qualifying fix-and-flip products, bypassing traditional weeks-long appraisal delays.
