Frequently Asked Questions
How fast can Time Bank close a private lender finance facility?
What types of private lenders does Time Bank work with?
If you control origination, underwriting, servicing, and collateral outcomes, we’re likely a strong fit.
What do you finance and what's a strong fit?
Time Bank primarily finances investment purpose, real estate secured loan portfolios, where underwriting discipline and collateral control drive outcomes.
Primary fit (most common):
- 1–4 family investment properties
- Fix-and-flip / bridge / rental transition lending
- Multifamily lending
Situational fit (selectively):
- Mixed-use
- Commercial real estate
- NPL / REO
- Land (by exception)
We’ll quickly confirm fit during screening.
What facility sizes do you typically provide?
Facilities are typically mid–single digit millions and up, with capacity scaling based on collateral depth, platform maturity, and structure.
What does "advance rate" depend on?
Advance rates are not “one size fits all”. We size leverage to match your:
- Collateral quality and eligibility
- Portfolio duration and reinvestment cadence
- Credit strategy and concentration profile
- Track record and operating controls
- Structure (including SPVs where appropriate)
In short: more mature platforms with cleaner collateral and tighter controls tend to get more flexibility.
Do you offer revolving lines and note-on-note financing?
Yes. We provide:
- Revolving credit facilities designed for portfolio growth, liquidity management, acquisitions, and reinvestment cycles
- Note-on-note financing for targeted liquidity against specific assets, SPVs, or carve-outs
We’ll guide you to the cleanest structure for your objective (not force you into an ill-suited template.)
Do you support SPVs and hybrid structures?
Yes. We’re SPV friendly and often encourage them when appropriate to:
- Create a cleaner collateral perimeter
- Ring-fence risk
- Improve structural flexibility over time
What's the difference between your Liquidity Line and Growth Line?
We offer two baseline structures designed to match platform maturity and objectives:
Liquidity Line of Credit
Designed for lenders seeking reliable liquidity and operating flexibility, typically for smaller portfolios and more conservative advance rates.
Growth Line of Credit
Designed for platforms scaling with larger portfolios and infrastructure commensurate with expanded leverage potential.
We structure to fit the platform and we’ll be clear upfront on what it will take to get more capacity.
What's the approval process like?
Simple, fast, and designed for certainty:
- Fit Screening – quick alignment on strategy, collateral, and structure
- Focused Review – working session with decision-makers
- Term Sheet – clear structure and economics from the start
- Closing – disciplined execution and timeline accountability
- Life-of-Loan – monitoring, coordination, and strategy refresh
What does "bank-ready" mean for a private lender or fund?
Bank-ready doesn’t mean “big.” It means clean authority, clean collateral, and clean priority.
The fastest closings happen when the platform is structurally and operationally ready. That typically means:
- Clear authority to borrow and pledge collateral (with proper approvals in place)
- A structure that establishes bank priority over other funding sources
- A collateral package that secures bank interests cleanly, including enforceability and control
- No loan-level or fractional investor claims that complicate senior liens
- No trust deed / investor-beneficiary structures that create competing rights at the loan level
- A portfolio-level framework that avoids deal-by-deal friction and investor consent bottlenecks
- Clean loan tape + organized loan files that support fast diligence
If a platform isn’t fully bank-ready today, we’ll still engage and we’ll tell you exactly what needs to change to get there.
What do you need from us to structure and underwrite quickly?
We keep requests focused enough to underwrite quickly, structure intelligently, and move with certainty.
Typical starting items include:
- Loan tape + sample loan files
- Business financials
- Guarantor financials
- Corporate documents + borrowing authority + affiliate disclosures
- Servicing/custody model and controls
- Capital and funding sources summary (high-level)
- Other diligence items
We’ll only ask for what matters most during our initial diligence.
Do you require a deposit relationship?
In most cases, yes – we integrate treasury + facility execution to create cleaner controls, faster coordination, and better operating efficiency.
Do you require audited financials?
Not always. It depends on platform size, complexity, and structure.
Do you require a personal guaranty?
Can treasury solutions be provided without a credit facility?
Our deposit offering supports operating cadence and controls (examples include dual-approval wires/ACH, positive pay, remote deposit capture, and multi-user access).
Does Time Bank offer NAV facilities or subscription lines?
Not at this time. We stay focused on doing a few things exceptionally well:
- Revolving credit facilities
- Note-on-note financing
- SPV-friendly / hybrid structuring
- Treasury and deposit solutions built for funds
If you’re exploring a more complex structure, we’re still happy to talk. We’ll be direct about what we can execute now versus what may require a different approach.
What makes Time Bank different from large banks?
Time Bank combines bank grade underwriting and collateral discipline with a private-credit operating mindset:
- Direct access to decision-makers
- Unified owner-operator execution (credit, structure, and delivery)
- Clean processes that compress cycle time
- Structures purposely built for private lending businesses (not to create friction or plod through long internal review cycles).
Are we a fit?
You’re likely a fit if you:
- Originate first lien real estate secured credit
- Control your underwriting and servicing outcomes
- Want reliable, cost-competitive liquidity without operational overreach
- Value speed with discipline and clear structure