Step 1
Start the application
Complete the application and share the initial property, borrower, and loan details needed for review.
Our Process
What to expect after you apply.
From initial review to closing, each step is designed to keep expectations clear and decisions moving.
At A Glance
Three phases keep the process simple.
First we review the request and outline terms, then we complete diligence, then we move to approval and closing.
Phase 1
Initial review and terms
We review the property and loan request, then come back with early feedback and terms.
Phase 2
Application and diligence
We complete the application package, order any needed reports, and clear open questions.
Phase 3
Approval and funding
Once everything is in place, we move through approval, closing coordination, and funding.
Six Steps
What happens after you apply.
Each step helps move the request from initial review to an approved loan and funded closing.
- Step 2
Review early terms
Sphinx Capital reviews the request and returns early terms so you can judge fit, timing, and next steps.
- Step 3
Complete the package
If the terms make sense, we gather the remaining items needed for full review.
- Step 4
Order reports and diligence
Appraisal, title, insurance, and related diligence items are ordered so the loan can keep moving.
- Step 5
Final review
We clear the remaining questions and prepare the loan for approval.
- Step 6
Close and fund
After approval, the team coordinates closing so the loan can fund.
Ready to move from questions to an application?
If you want us to review the property and loan request, start the application.