Term Sheet in 24 Hours. Closing in 7 Days.
Here is what happens between the day you send us a deal and the day the wire lands. Three steps, one decision maker, and a processor who chases the title company so you do not have to.
Don't have a deal yet? Get pre-approved first.
24 hrs
Term sheet and decision
7 days
Closing, from a complete file
24 hrs
Draw turnaround
15 days
Median application to wire, all loans since January 2026
1 in 3 loans funded within 8 days of the application. Fastest close: same day. The 7 days is the part we control. The 15-day median includes borrowers still collecting documents and contracts written with a later closing date.
Send Us the Deal
Apply online or call. We need the address, the purchase price, your budget, and your exit. Within 24 hours you get a term sheet with the rate, points, and loan amount, and a decision.
Our underwriting is AI-assisted, which is how we read your whole file the same day. Will Harvey makes every decision himself, and he answers the phone.
24 hours
Term sheet and decision
We Build the File
Once you give us the green light, Wilkins Ndwiga, our operations lead, becomes your single point of contact. He orders the title commitment, works with your insurance agent, collects the entity documents, and coordinates with the title company.
You bring six basic things, sometimes a few more depending on the deal. Have them ready on day one and we close in 7 days.
7 days
Closing, from a complete file
Close and Fund
You sign at the title company. We wire the same day.
Renovation funds are released in draws as work is completed. Send us videos and invoices, and the money is in your account within 24 hours.
24 hours
Draw turnaround
What to have ready
Six basic things on every deal. Some deals need a few more, and Wilkins will tell you exactly what on day one. The faster these land, the faster we close.
- Entity documents
- Purchase contract
- Scope of work and budget
- Two months of bank statements
- Photo ID
- List of past projects
We are not the cheapest lender in Virginia, by design
We charge 1, 3, or 5 points depending on the term you pick, and our rates are on the pricing page in full. What you are paying for is certainty: a decision in a day, a closing date that holds, and a lender funding its own capital with no committee behind him.
One missed closing costs more than a point.
What you will not see here
No loan committee.
One person decides, and you talk to him.
No appraisal.
We underwrite the deal ourselves, which is why the term sheet takes a day and not three weeks.
No changes to the terms after the term sheet.
What you sign is what you close on.
No junk fees.
Points, interest, and a flat fee. All of it is on the pricing page.
Working with Will and Harvey Capital was nothing short of class A service. I was in a time constraint situation purchasing a foreclosure, while my banker was estimating 30 days to get the funds Harvey Capital did it in 5 days. Now we are on to the next project! Definitely a go to going forward!
Send us your next deal.
Term sheet in 24 hours. Closing in 7 days. Wilkins on the file from commitment to wire.
Don't have a deal yet? Get pre-approved first.