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How Long Does It Take to Get Approved for a Hard Money Loan?

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If you’re eyeing a real estate investment deal, timing is everything. Whether you're flipping a single-family home or starting new construction from the ground up, delays in financing can mean missed opportunities. That’s where hard money loans come in—fast, flexible, and built for investors who need to move quickly.


But how fast is "fast"? Let’s break down how long it really takes to get approved for a hard money loan through Alvear Lending.


Fast Approvals: What to Expect


With Alvear Lending, initial approvals often happen within 24 to 48 hours. That means you can get a term sheet in hand quickly, giving you the confidence to make offers and move forward with your project.


How About The Entire Funding Process?


Once you’re approved and all documents are in, funding typically happens in 7 to 14 business days. Of course, that timeline depends on a few factors:

  • How quickly you submit your documents

  • The complexity of the project

  • Title and appraisal turnaround times

  • Complexity of your investment profile


What You Need to Get Started

Getting approved doesn’t have to be complicated. Here’s what you’ll usually need:


  • A completed loan application

  • A detailed scope of work (especially for fix and flip or construction)

  • Purchase contract (if applicable)

  • Bank statements or proof of funds for down payment

  • Credit check authorization


Pro tip: the faster you provide these, the faster we can move.

Fix & Flip: Quick In, Quick Out

If you're flipping houses, you need speed. Alvear Lending offers fix and flip loans with:

  • Up to 85% of purchase and 100% of rehab costs

  • Loans up to 70% of ARV

  • Closings in as little as 10 days

The approval process is streamlined because we know your margins depend on speed.

Ground-Up Construction: Fast Starts Matter


New construction loans usually take a little longer due to permits and planning, but with Alvear Lending, the approval process is still simple:

  • Up to 85% of land purchase and 100% of construction costs

  • Loans up to 65% of completed value

  • Fast pre-approvals so you can get started while permits are processed

We work with experienced builders to keep projects moving without red tape.

Final Thoughts: Time is Money

In real estate investing, delays can kill deals. That’s why we keep things simple and quick at Alvear Lending. You focus on the deal—we’ll handle the funding.


Ready to move fast? Book a call with our team and get your approval process started today.

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You should view all of the investment opportunities on our website as risky. You should consider investing only if you can afford to lose your entire investment. Neither the Securities and Exchange Commission nor any state agency has reviewed the investment opportunities listed on the Site. These types of investments are highly speculative, illiquid, and subject to risk of loss of the entire amount invested.


This website, which we refer to as the “Site,” is used by Alvear Ventures Portal LLC and Alvear Ventures Offerings LLC. These are two distinct legal entities, each offering separate products subject to different regulatory requirements, investor qualifications, and risk considerations.


Alvear Ventures Portal LLC is a “funding portal” as defined in section 3(a)(80) of the Securities Exchange Act of 1934. Here, you can review investment opportunities of companies offering securities under section 4(a)(6) of the Securities Act of 1933, also known as Regulation Crowdfunding or Reg CF. These investments are offered to everyone, not just to accredited investors. By using this Site, you are subject to our Terms of Use and our Privacy Policy. Please read these carefully before using the Site. We strongly recommend that you also read the Investor Educational Material


Alvear Ventures Offerings LLC acts solely as a marketplace connecting borrowers with potential lenders. This entity does not handle any user funds, act as investment or financial advisors, or provide or determine specific loan terms. Alvear Ventures Offerings LLC makes no representations or endorsements regarding any particular lender or financing arrangement. Any interest rate, maturity, or other term provided by the site(s) are entirely educational and do not reflect any terms of a lender, whether implied or explicit. Investors are encouraged to conduct independent due diligence and consult professional advisors before entering any financial agreements. Alvear Ventures Offerings LLC is independent of Alvear Ventures Portal LLC. By using this Site, you are subject to our Terms of Use and our Privacy Policy. Please read these carefully before using the Site. We strongly recommend that you also read the Investor Educational Material

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