When your property is in distress, every day costs money. Late payments accumulate, opportunities disappear, and stress compounds.
That's why Capital Direct Funding built our process around one principle: speed without sacrificing smart underwriting.
Day 1: Initial Contact
You call us at (626) 796-1680.
Within hours, not days, you're speaking with a decision-maker.
We'll ask for basic property information – address, current loan balance, estimated value, and your plan. No lengthy applications, no automated phone trees. Just real conversation about real solutions.
Day 2-3: Property Evaluation
We order a drive-by appraisal or broker price opinion (BPO).
While banks demand full appraisals taking weeks, we use faster valuation methods for initial decisions.
We're reviewing your property's potential, not creating a museum-quality documentation file.
Day 4: Term Sheet Issued
Based on our evaluation, we provide a clear term sheet.
No hidden fees, no bait-and-switch. Our typical terms include:
- Loan-to-value up to 70%
- 12-24 month terms
- Interest rates reflecting current market and risk
- Clear prepayment terms
- Defined exit strategy requirements
Day 5-6: Documentation and Final Underwriting
Once you accept our terms, we move to documentation. We need:
- Property deed and title report
- Current mortgage statement
- Property insurance
- Basic entity documents (if applicable)
- Signed loan documents
We handle the heavy lifting – title work, lien searches, and legal preparation.
Day 7: Funding Wire transfers hit your account.
No waiting for committee approvals or secondary reviews. When we say yes, we mean yes.
Real Scenarios, Real Results
Scenario 1: Foreclosure Defense
Borrower facing trustee sale in 15 days.
Traditional refinance impossible. We funded in 6 days, stopping foreclosure and giving the owner 18 months to stabilize and refinance conventionally.
Scenario 2: Opportunity Capture
Investor found off-market multifamily property needing quick close.
Seller wouldn't wait for bank financing. We funded in 8 days, enabling $200,000 profit after renovation and sale.
Scenario 3: Bridge to Better Terms
Commercial property owner with balloon payment due.
Bank delayed refinancing. We provided 12-month bridge loan, allowing owner to improve NOI and secure better permanent financing.
Why Speed Matters
Every day of delay in distressed situations compounds problems:
- Default interest accumulates
- Legal fees mount
- Credit damage worsens
- Opportunities vanish
- Stress affects decision-making
Our 7-day process isn't just about speed – it's about preserving your options and equity.
The Capital Direct Funding Difference
We're California specialists.
We understand this market's unique challenges – from inland foreclosure hotspots to coastal regulatory complexities.
Our team has funded hundreds of distressed property deals. We've seen it all, and we've funded most of it.
Don't let another day cost you money.
Call Capital Direct Funding at (626) 796-1680 or visit capitaldf.com.
Your solution is just seven days away.