From Inquiry to Funded
in 10 Days

It starts with a conversation. You tell us about the deal — the property, the numbers, your timeline, and your exit strategy. We give you an honest, immediate assessment of whether this is something we can fund and a preliminary indication of rate and terms. No application fees, no credit pulls, no obligation. Most initial conversations take 15 to 30 minutes by phone or in person. If the deal makes sense for both parties, we move to a formal application the same day.

You complete our streamlined application and provide the core documentation: a personal financial statement, recent bank statements, entity documents (if borrowing through an LLC), the purchase contract or property details, and a summary of your project plan. We order a property valuation — either a full appraisal, a broker price opinion, or a desktop evaluation depending on the deal size and complexity. Unlike a bank, we do not need two years of tax returns or extensive income verification. Our underwriting centers on the collateral and your equity position.

Once we have reviewed the property and your financials, we issue a formal term sheet outlining the loan amount, interest rate, term, origination fee, and any specific conditions. The term sheet is a binding commitment from Renegade Capital, subject only to clear title, satisfactory appraisal, and standard closing conditions. You review the terms, ask questions, and decide whether to proceed. There is no pressure and no expiration gimmicks — we give you the time to evaluate the offer against your alternatives. If you accept, we move directly into final underwriting.

Final underwriting confirms the property value, verifies clear title through our title company, and completes our internal review. If an appraisal was ordered, we review it to confirm the collateral supports the loan amount at our required LTV. Title insurance is ordered to protect both the borrower and lender. During this phase, we finalize the loan documents — promissory note, deed of trust, personal guarantee, and any additional agreements specific to the deal. Our in-house process means no waiting on external committees or bureaucratic approvals. When the file is complete, we issue a clear to close.

Closing takes place at a Montana title company. You sign the loan documents — promissory note, deed of trust, and personal guarantee — and the title company records the deed of trust with the county. Funds are wired the same day or the next business day after recording, depending on the title company's process. For construction and renovation loans, the initial draw is funded at closing and subsequent draws are released as work is completed according to the approved draw schedule. From first conversation to keys and capital — 10 days on average.

After closing, Renegade Capital services every loan in-house. You make payments directly to us — no third-party servicers, no confusion about who to call. Monthly statements are clear and transparent, showing your principal balance, accrued interest, and any upcoming obligations. For construction loans, we manage the draw process with fast turnaround on draw requests. As your maturity date approaches, we work with you to ensure your exit strategy is on track, whether that is a sale, refinance, or extension. Our goal is a clean payoff and a relationship that brings you back for your next deal.