Why Investors Use SWE Lending for Online Auctions
• Auction-ready pre-approval and loan commitments that are not subject to appraisals, surveys, and other third party reports other than title, so you can bid with confidence.
• Speed to close within typical online auction timelines of 30 to 45 days. We can meet the tight timelines.
• In-house underwriting and funding across Texas, Georgia, Tennessee, and North Carolina properties.
• No minimum FICO and common-sense, asset-based decisions for investors.
Online Auction Financing
Win online real estate auctions with fast, flexible funding.
SWE Lending is a direct lender in Texas and Georgia with 30+ years of experience and have funded thousands of properties at auctions so we know the process better than anyone. We are direct lender, no syndication risk, and all credit okay for investors buying through online auction platforms like Auction.com, Hubzu, Crexi, Tranzon, Xome and Ten-X. Online auctions often allow 30 to 45 days to close, so financing can be used if you have proof of funds and move quickly.
Loan Snapshot
• Loan purpose: Purchase
• Term: 1, 2, and 3 year(s)
• Leverage: Up to 75% of purchase price
• Rates and fees: Market-competitive, set by deal profile and experience
• Entity: Title in LLC or SPE recommended
• Geography: Texas, Georgia, Tennessee, and North Carolina
How It Works
1. Apply in minutes. We size the deal using your max bid range and investment plan.
2. Bid with confidence.
3. Underwrite fast. We complete our due diligence quickly. We review and finalize loan terms timely.
4. Close inside the auction window. Online auctions typically allow financing with 30-day targets and up to 45 days depending on the seller.
Eligible Online Auction Platforms
Auction.com, Hubzu, Xome, Crexi, Tanzon, and Ten-X. Always check each property page for “financeable” or “financing allowed” flags and exact timelines.
What You Bring
• Government ID, entity docs, and experience summary if available
• Purchase agreement and all auction addenda
• Proof of earnest money deposit and buyer’s premium payment if applicable
• Insurance binder prior to closing
• 12 months bank statements
• 2 years most recent corporate tax returns
Ready To Bid and Close on Time?
Tell us your target auction, max bid, and timeline. We will issue auction pre-approval quickly and guide you from bid to close.