Often traditional financial institutions such as banks and mortgage companies require up to 90 days or are not even making loans.  Like the example described, above our borrowers need quick financing to secure the distressed price with the seller.  These bargain prices more than offset the higher rates that we are charging, enabling the borrower to generate good profit potential.  First Lien Lending in conjunction with its private lenders has closed loans in as little as 8 business days.  We have an important niche in the market, thereby creating a tremendous opportunity for our private lenders to earn such high yields.