Hard Money · Nationwide

Real EstateInvestmentSolutions

Fast. Flexible. Reliable.

Funding real estate investors nationwide with the speed and certainty they need to win the next deal.

Close in 7–10 days No income verification Up to 100% purchase
Beautifully renovated home funded by Nick of Time Funding
Quick closings — 7 to 10 days
Up to 100% of purchase price
Repairs & closing costs covered
No income verification
Investor-friendly terms
Local, reliable lender
Fix & Flip Loans
Program 01

Fix & Flip Loans

Buy, renovate, and resell — funded fast. Cover the purchase plus rehab and get to market without tying up your capital.

Up to 90%
of purchase price
100%
of rehab costs
12–18 mo
interest-only terms
  • Single-family, 2–4 units, and townhomes
  • Experienced and first-time flippers welcome
  • Draw schedule built around your project
Discuss this program
New Construction Loans
Program 02

New Construction Loans

Ground-up financing for builders and developers. From single homes to small infill projects, we structure draws around your build.

Up to 85%
of land & build
100%
of construction costs
12–24 mo
flexible terms
  • Spec and pre-sold builds
  • Plans, permits, and budget review made simple
  • Inspector-coordinated draw releases
Discuss this program
DSCR Rental Loans
Program 03

DSCR Rental Loans

Long-term rental financing qualified by the property — not your tax returns. Build your portfolio without W-2 hassles.

Up to 80%
LTV
0.75+
DSCR minimum
30-year
fixed available
  • No income or employment verification
  • Short- and long-term rentals eligible
  • LLC and personal vesting allowed
Discuss this program
Bridge Loans
Program 04

Bridge Loans

Move on the next deal before the current one closes. Short-term capital to bridge the gap and keep your pipeline moving.

Up to 75%
LTV
7–10 days
to close
6–24 mo
interest-only
  • Acquisitions, refinances, and cash-out
  • Residential and small commercial
  • Asset-based underwriting
Discuss this program
Why Nick of Time

The lender investors call first.

Built for Speed

Term sheets in 24 hours and closings in as little as 7 days. When the deal won't wait, we don't either.

Investor-First Terms

We structure around the asset and your strategy — not bureaucratic checklists or W-2 paperwork.

Reliable Capital

Direct lender with consistent funding. No bait-and-switch, no last-minute surprises at the closing table.

The Process

Three steps to funded.

01

Apply

Submit a quick application with the deal basics. No tax returns, no W-2s.

02

Term Sheet

Get a clear term sheet within 24 hours and lock in your terms.

03

Close & Fund

Close in as little as 7–10 days and get to work on your project.

Let's Fund Your Next Deal

Get a term sheet in 24 hours.

Tell us about your project. A loan officer will reach out with options the same business day.

+1 (470) 943-4233
Mon–Fri · 8am–7pm · Closings nationwide

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