Home Recent Closings Brokers Investors

Direct lender · Funding in as little as 5 days

A borrower viewing QuickLiquidity cash-out refinance loan terms on a phone

Bridge loans for real estate investors

We underwrite the property,
not your credit score.

QuickLiquidity is a direct lender providing asset-based bridge loans for real estate investors seeking fast, flexible capital.

No credit checks
No third-party appraisals
Close in as little as 5 business days
5 stars5.0 on Google Direct lender since 2015
Recent Closings

Our closings speak louder than words

Real properties. Real borrowers. Real loans.
We fund every deal using our own discretionary capital.

Single Family Home Washington, D.C.
Washington, D.C.
Single Family Home · Cash-Out Refinance
Loan$1,000,000 Lien1st Closed In7 days
Single Family Home Windermere, FL
Windermere, FL
Single Family Home · Cash-Out Refinance
Loan$615,000 Lien1st Closed In13 days
Townhome Portfolio West Richland, WA
West Richland, WA
Townhome Portfolio · Cash-Out Refinance
Loan$600,000 Lien1st Closed In10 days
Single Family Home Fernandina Beach, FL
Fernandina Beach, FL
Single Family Home · Cash-Out Refinance
Loan$405,000 Lien1st Closed In8 days
19-Unit Multifamily Arlington, VA
Arlington, VA
19-Unit Multifamily · Cash-Out Refinance
Loan$1,000,000 Lien1st Closed In20 days
Single Family Home Sarasota, FL
Sarasota, FL
Single Family Home · Cash-Out Refinance
Loan$500,000 Lien1st Closed In13 days
How We’re Different

Bet your last lender couldn’t do this.

We rebuilt the bridge loan process from the ground up.

Credit reportNot pulled
Minimum scoreNone
Past credit eventsOK

No credit checks

We never pull credit. There’s no minimum score.

Tax returns
Bank statements
W-2s and P&Ls

No tax returns

No personal tax returns or income verification needed.

As-is valuation
$650,000
Valued in-house1 day

No appraisals

We value every property in‑house, often in a day.

Signed term sheet to funded
12345
Funds wiredDay 5

Close in 5 days

From a signed term sheet, subject to title.

Debt service coverage
Rent ÷ Payment
DSCR minimumNone

No minimum DSCR

No debt-service-coverage-ratio requirements.

Seasoning
BoughtSep 1
30 days
FundedOct 1

No seasoning

Bought it last month? We lend on today’s value.

Foreclosure sale
Nov 12
Cancelled
Foreclosing lenderPaid off

Foreclosure bailouts

An active filing doesn’t stop the deal.

Bankruptcy history
Past bankruptcy Active: court approval

Bankruptcy is OK

Whether in the past or currently in Chapter 11, we can help.

Borrower lives abroadUS property, any home country
US credit scoreNot needed
US incomeNot needed

Foreign nationals

We work with foreign nationals with no US credit or US income.

Loan term
12 months+6+6
Extension optionsBuilt in

Flexible extensions

Extensions can be built into the loan term for peace of mind.

The obvious question

How is this possible?

We lend our own discretionary capital, so we make our own rules. With no bank regulators or credit committee to answer to, we fund deals other lenders can’t.

Who This Is For

Built for borrowers who don’t qualify for traditional financing

Imagine a world without credit score minimums, personal income verifications, tax returns, and DSCR requirements. It’s here.

💳 Recent credit event: low score, bankruptcy, foreclosure
🧾 Self-employed with hard-to-verify income
⚡ Time-sensitive deal a bank can’t move fast enough for
🌎 Foreign national with no US credit or SSN
9:41
🏦Traditional Bank
We require a 675 credit score.
QuickLiquidityQuickLiquidity
We don’t run credit checks.
🏦Traditional Bank
We need 60 days minimum to close.
QuickLiquidityQuickLiquidity
We can close in 5.
Loan Guidelines

Loan terms tailored to meet your needs

Every borrower is different. We work with you
to create loan terms tailored to your specific needs.

Loan size
$150K–$3M
Per property
Loan-to-value
Up to 65%
Of as-is value
Interest rate
9.99–11.99%
Interest-only
Loan term
6–24 mo
Extension options available
Closing
5 days
From signed term sheet
Prepayment
6 months
Minimum interest
Origination
2 points
Paid at closing
Property types
1–4 unit residential
5+ unit multifamily
Investment only
Map of states where QuickLiquidity currently lends
Lending footprint

Where we lend

We’re a direct lender in 37 states + D.C., with a focus on densely populated cities and major metro areas.

  • Alabama
  • Arkansas
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Washington, D.C.
  • West Virginia
  • Wisconsin
  • Wyoming
  • Alaska
  • Arizona
  • California
  • Hawaii
  • Illinois
  • Louisiana
  • Michigan
  • Nebraska
  • Nevada
  • North Dakota
  • Oregon
  • South Dakota
  • Vermont
What We Look For

What we fund and what we don’t.

We’d rather tell you upfront than waste your time.

We say yes

Three things we need to say yes

Meet all three and we can usually issue terms the same day.

1
Populated, desirable market
Major metros and populated cities. No rural, tertiary or declining neighborhoods.
2
Turnkey condition
Newly built or freshly renovated. No heavy value-add, no deferred maintenance.
3
Conservative leverage
Never more than 65% loan-to-value. The lower it is, the better the pricing.
We pass

What we don’t fund

We’d rather tell you now than waste your time.

Needs renovations
Heavy rehab or value-add work
Ground-up construction
New builds or construction
Raw land
No structure to underwrite
Low property value
Under $250K as-is
Owner occupied
Primary residences
Rural properties
Outside major metro markets
High leverage
Above 65% loan-to-value
Small loans
Below our $150,000 minimum
How It Works

From initial contact to
closing in as little as 5 days.

Day 1
•We review your loan application
•We request the documents needed to underwrite the deal
•If it qualifies, we issue a term sheet for you to sign
Day 2–3
•Once the term sheet is executed, title is ordered
•Our attorney is engaged to begin drafting loan documents
•Final due diligence items are gathered
Day 4–5
•Loan documents are presented to you for review
•Title comes in clear to close
•Closing time is scheduled
Closing 🎉
Documents are signed and funds are wired directly to your bank account.
Case Studies

Real obstacles. Real solutions.

Different situations, one approach: we lend on the property.

Condo building on the Riverwalk in Milwaukee's Historic Third Ward
Historic Third WardMilwaukee, WI · 3 bed, 3 bath · 2,574 sq ft
Foreclosure bailout

The lender was foreclosing.
We paid them off in 15 days.

A renovated top-floor condo on the Milwaukee Riverwalk was in active foreclosure. The borrower had real equity but no way to refinance conventionally.

Loan$812,500
Loan-to-value65%
Closed in15 days
Paid off the foreclosing lender and association liens
Funded a 6-month interest reserve
12-month term with two 6-month extensions
New construction single family home in Dallas, Texas
New construction, listed for saleDallas, TX · owned free and clear
Bridge to sale

Listed for sale.
No pressure to sell cheap.

A developer built this home and listed it for sale. Our loan freed up cash for their next project, so the home could stay on the market and wait for the right offer.

Loan$250,000
Term sheet48 hours
Closed in14 days
Built from the ground up and owned free and clear
Listing stayed active the whole time
Brought to us by a mortgage broker
Leased single family rental in St. Cloud, Florida
Leased single family rentalSt. Cloud, FL
Low credit score

Their credit was poor.
Their property was strong.

The owner’s leased rental had plenty of equity, but their credit didn’t fit a bank or DSCR loan. We unlocked that equity so they could fund new fix-and-flip projects.

Loan$325,000
Lien1st
Closed in17 days
Fully leased, low-leverage rental
Underwritten on the real estate, not the FICO score
No appraisal or employment verification
Testimonials

You don’t have to take our word for it

Usually you’d see a creative tagline here created by a marketing team.
Instead, we thought you should hear directly from our borrowers.

5 stars
“I would like to thank QuickLiquidity for all the help and countless hours of support getting my client to the finish line in just 5 days.”
R
Robert P.
Broker
5 stars
“QuickLiquidity is amazing. They worked Thanksgiving Day and, on the weekend, to close the loan in 5 business days!”
K
Karen S.
Broker
5 stars
“I have over 30 years of lending and broker experience. QuickLiquidity has been the most responsive and positive experience I have had with any lender.”
L
Lynn R.
Broker
5 stars
“Amazing lender! Closed my deal in less than 15 days, no appraisal. Yoni went extra, extra, extra miles to get this done for me! Really appreciated the professionalism and constant communication! Will definitely do business again!”
A
Allen W.
Broker
5 stars
“This company deserves 10 stars, they live up to their name. Very efficient, communicative and reliable, and I was able to get funded in a short time.”
A
Allyson K.
Borrower
5 stars
“Yoni is straight forward, quickly analyzes the funding request and once it fits the criteria has a term sheet turnaround in 24 hours with a commitment to fund and close within a week. I highly recommend the team at QuickLiquidity and I look forward to closing many deals together in the future.”
T
Tori C.
Broker
5 stars
“They closed our loan in only 6 days! I've worked with many lenders for over 20+ years and this was by far the fastest and most pleasant experience.”
A
Alicia N.
Borrower
5 stars
“Working with QuickLiquidity was a great experience. I was so glad to have found a lender who could help my client with his short term cash need in such a prompt and efficient manner. As a mortgage banker for 40 years, I can say that I would gladly recommend QuickLiquidity as a reliable source.”
J
Janet P.
Broker
5 stars
“I had the pleasure of working with Yoni Miller on a deal here in Dallas. He was quick to respond on to all emails and requests, which made for a very smooth transaction and closing!”
L
Leisa C.
Broker
5.0 Excellent rating on Google Reviews
5 stars
“Its always a pleasure working with Yoni & his team. Very knowledgeable and a straight shooter. Definitely a great lender to have in your arsenal!”
N
Nick H.
Broker
5 stars
“Great to work with! They are responsive, move quickly, provide valuable feedback & execute as advertised.”
J
Jordan S.
Broker
5 stars
“Their customer service is outstanding. Every question I have was promptly answered, they take their time to explain the details in a clear and understandable way. I was particularly impressed with how quickly they were able to fund my client's loan. Their speed is a game-changer.”
D
Darrion W.
Broker
5 stars
“Yoni is the best in the business for a quick bridge. He is a high integrity guy and does what he says he will do.”
B
Bob O.
Broker
5 stars
“Yoni is professional, knowledgeable, and always responsive. He takes the time to understand each situation and finds creative, common-sense solutions that many lenders simply can't match.”
J
Jose V.
Broker
lockMortgage Brokers

Brokers are fully protected.
Every deal, every time.

We write your commission into the term sheet before we ever speak with your borrower, so there’s no risk of getting cut out.

Paid directly at closing
Your clients stay yours
Updates every step of the way
Join the broker program
68%
of our closed loans
come from brokers
Single Family Home Washington, D.C. Washington, D.C.
Broker Commission
$10,000
Condo New York, NY New York, NY
Broker Commission
$15,000
Multifamily Arlington, VA Arlington, VA
Broker Commission
$10,000
Frequently Asked Questions

Common questions.
Easy answers.

If you have any additional questions, you are welcome to email us.

Get started

Get a term sheet today

Choose the submission method that works best for you.

Most popular
Online application
Term sheet back in hours.
Apply Now
Email us
Same-day response.
[email protected]