Direct access to capital for real estate & business deals. Funding from $50K to $10M+ for investors, developers and business owners — Fix & Flip, DSCR, Construction, Bridge, Multifamily, Commercial.
Flexible structures for straightforward and complex deals.
Real closings. Real timelines. Real terms.
Full build financing structured for an experienced sponsor — funded in three weeks, draw schedule in place before shovel.
Out-of-state operator needed certainty of close on a value-add multifamily. Closed in 16 days at 75% LTV.
No income verification, no tax returns. DSCR-qualified rental closed in 8 days at 80% LTV.
Six core programs. Clear underwriting parameters. Direct lender access on every product.
Purchase + rehab capital for SFR, 2–4 unit and small multifamily flips. Experience-tiered leverage; rehab held in escrow with fast draws.
Long-term rental financing qualified on the property's cash flow — no W2s, no tax returns. Foreign National & ITIN eligible.
SFR, infill and small-balance build financing for experienced builders and developers. 100% of vertical when LTC stacks allow.
Short-term capital for time-sensitive acquisitions, refinances and value-add plays. Asset-based with collateral & exit driving the deal.
Acquisition, refinance and value-add capital on stabilized and transitional commercial properties. Agency, CMBS and bridge options.
Capital for operating businesses: revolving lines, term loans, SBA 7(a)/504, equipment finance and revenue-based funding.
Built for speed — designed around the 24-hour terms promise.
Loan type, amount, property, exit. Takes under 3 minutes. SMS & email confirmation hit your phone in under 60 seconds.
You talk to the decision-maker — not a junior intake. We pressure-test the deal, confirm strengths, flag gaps before lenders ever see it.
Deal logic matches your scenario to the capital source most likely to fund it: DSCR house, bridge desk, construction lender, commercial agency, etc.
Written term sheet — rate, leverage, fees, timeline. Reviewed line-by-line so you understand exactly what you're signing.
Title, appraisal, docs and wire — coordinated end-to-end. Closings as fast as 5–8 days on bridge and DSCR; 14–21 on construction.
Jeff has spent his career structuring and closing real estate & business loans for investors, developers and operators across the country. With direct relationships across 200+ lenders — agency, bridge, hard money, DSCR, construction and commercial — he gets your deal in front of the right capital source the same day it hits his desk.
No junior intake. No broker chain. No "I'll get back to you next week." You talk to the decision-maker, you get straight answers, and you get terms in 24 hours.
I'm Jeff LaVigne — founder of 24 Hour Loan Approval. Over the last decade I've helped close 750+ deals totaling $788M+ in funded capital across all 50 states. I'm a direct lender on select 1–4 unit residential, fix & flip, DSCR and small-balance commercial deals through my own company, and a top-tier broker on everything else through a network of 200+ lenders covering bridge, construction, hard money, multifamily, commercial, foreign national, ITIN and business funding.
What that means for you: when you submit a deal, you're not bouncing through a call center. You talk directly to me. I personally pressure-test your scenario, route it to the right capital source the same day, and stay in the deal end-to-end until the wire hits.
If your deal fits one of my in-house programs, you skip the broker chain entirely — I issue terms, I close, you wire. If it needs an outside lender, I quarterback the placement and use my relationships to compress a process that usually takes weeks into days.
Built for serious operators — first-time investors and 50-deal sponsors alike.
Fix & flip operators, BRRRR investors, buy-and-hold rental builders scaling portfolios across multiple states.
SFR, infill, small-balance multifamily and mixed-use developers needing acquisition + construction capital.
5–250+ unit operators acquiring stabilized or value-add assets — agency, bridge and CMBS execution.
Non-U.S. citizens and ITIN borrowers buying U.S. rental and investment property — no SSN required.
1099, business owners and entrepreneurs whose tax returns don't tell the full story — DSCR & bank-statement options.
Established companies needing working capital, equipment, expansion or acquisition financing — SBA & conventional.
"Jeff closed our $3.3M ground-up build in 21 days when two other lenders had stalled us for months. Direct line, real answers."
— M.R., Builder, California
"We picked up a 26-unit in Detroit at a discount because we could close in 16 days. That speed is the deal."
— K.T., Multifamily Sponsor, Michigan
"DSCR loan funded in 8 days, no tax returns, no W2s. This is how investor lending should work."
— A.D., Investor, Florida
Bridge and DSCR deals routinely close in 5–10 days when title and appraisal cooperate. Construction and commercial typically run 14–21 days. Speed depends on documentation — the cleaner your file, the faster we wire.
Most programs are designed around the asset, not the borrower. DSCR starts at 660. Bridge / hard money flexes lower with strong collateral and equity. Commercial is sponsor-evaluated.
Not on DSCR, bridge, hard money or most construction. Bank-statement and asset-depletion options available. SBA and conventional commercial do require full doc.
All 50. Some products are state-restricted — we'll flag that on the call before you waste time.
You work directly with Jeff on every deal. No junior intake, no rotating loan officers. One point of contact from term sheet to wire.
Zero. Term sheets are free. You only pay third-party costs (appraisal, title) once you accept terms and move to closing.
1,000+ articles on real estate investing, deal structuring, lender strategy, and market commentary. New posts weekly.
What a bridge loan really is, when it beats conventional financing, typical terms, and the deal scenarios where it's the right call.
The cash-flow-only underwriting model that lets investors scale rental portfolios without W2s, tax returns, or income verification.
The leverage stacking and cash-flow strategy that turns one DSCR loan into a 5- or 10-property portfolio without W2s.
Submit your scenario and have written terms in your inbox within 24 hours. Or skip the form and call Jeff directly.