Short answer:
Hard money lenders help investors close real estate deals faster by offering streamlined approvals, asset-based underwriting, and funding in days—not weeks. If you’re serious about competing in today’s fast-paced market, speed is everything.
Let’s take a closer look at why traditional financing slows you down—and how hard money flips the script.
Anyone who’s been in the real estate game knows: the best deals don’t wait around. Whether it’s a distressed property, a pocket listing, or a land deal on the edge of a booming suburb, you need to move fast to lock it in.
But here’s the problem with traditional bank financing:
By the time your loan is approved, someone else has already bought the property—all cash.
That’s why serious investors turn to hard money lenders—especially in competitive markets like Dallas, Tarrant, and Collin counties.
Traditional lenders dig into every corner of your financial life—credit score, W2s, tax returns, bank statements, DTI ratios, and more. It’s a slow grind.
Hard money lenders like Silverton Capital take a different approach:
They base decisions primarily on the property and project, not your personal finances.
If the answer is yes, underwriting moves fast—often in 24–72 hours.
With a traditional lender, you might need 20+ documents just to get pre-approved.
With hard money, you’ll typically need:
The result? You’re not bogged down by paperwork—and you can make offers with confidence.
In hot markets like North Texas, sellers want quick, clean closings. If you can’t close in 10 days or less, you're often not even in the conversation.
Hard money loans can close in 5–10 days, depending on the deal.
That kind of speed gives you major leverage when:
Pro tip: Sellers love the term “non-contingent close.” With hard money, you can deliver it.
Sometimes you find the deal—but you're still working on a traditional refinance or rental loan. Instead of losing the opportunity, hard money lets you close now and refi later.
This strategy is common for:
It’s the perfect short-term solution when timing is tight but the deal is solid.
Not all lenders understand local conditions. But Silverton Capital is built for Dallas, Tarrant, and Collin County investors.
We know what properties are worth, what buyers want, and what timelines investors face. That local experience helps us:
Bottom line? We’re not just fast—we’re strategically fast.
An investor in Plano finds a distressed duplex listed off-market for $265,000. It needs $40,000 in repairs but comps show an ARV of $410,000.
The catch? Seller wants to close in 7 days—no exceptions.
A traditional lender says 30 days minimum.
Silverton Capital steps in, underwrites the deal based on the ARV and repair scope, and funds in 6 days.
Result:
Investor locks in the deal, renovates, and flips it 90 days later for $415,000.
That’s what speed can do.
If you're tired of losing out on deals because your financing can't keep up, it's time to try a different approach.
Silverton Capital specializes in hard money loans that close fast—without the drama of traditional lending.
We serve investors across Dallas, Tarrant, and Collin counties, and we’re ready to help you move quickly on your next opportunity.
Apply now to see what you qualify for.
In real estate, time is leverage. The faster you can close, the more deals you can win—and the more profit you can make.
Hard money lending isn’t just about funding—it’s about winning in a market where speed separates amateurs from professionals.
Need speed on your next deal?
Apply with Silverton Capital for fast, flexible funding in Dallas, Tarrant, and Collin counties.
This article is for informational purposes only and is not intended to serve as legal, financial, or investment advice. Please consult with a licensed professional before making financial decisions.