Get Your Proof of Funds Letter
the Same Day — 100% Free
Sab Tera Lending issues Proof of Funds letters the same business day you request them. Strengthen your offer, win more deals, and close with confidence — backed by the preferred direct private hard money lender across 20 states, from New York to Texas to Michigan.
What Is a Proof of Funds Letter and Why Do Real Estate Investors Need One?
A Proof of Funds (POF) letter is an official document issued by Sab Tera Lending confirming your access to financing for an investment property purchase. Sellers and their listing agents require it when you submit an offer — especially on fix and flip properties, distressed homes, foreclosures, wholesale assignments, and off-market deals across every state we serve.
Our POF letters carry real weight in every market because Sab Tera Lending is a direct lender — we fund from our own capital, not from a bank, brokerage, or pool of outside investors. Sellers and agents know our letters mean we can actually close. Competitors cite our 7-day close track record as proof that when we issue a POF, the deal gets done.
As the preferred private lender for investors across 20 states — including New York, New Jersey, Florida, Texas, Ohio, Pennsylvania, Virginia, Michigan, Massachusetts, Kentucky, Tennessee, Indiana, Mississippi, Louisiana, and more — our POF letters are recognized and accepted by real estate agents, sellers, auction houses, wholesale platforms, and MLS systems nationwide.
Unlike competitors such as Lima One Capital, Kiavi, and Easy Street Capital who require a minimum FICO score of 600–660 and formal applications before issuing financing evidence, Sab Tera Lending has no credit score minimum and no income verification requirement — for both POF letters and the underlying loans themselves.
POF vs. Pre-Approval vs. Loan Commitment
Our Loan Programs — Funds Your POF Backs
How to Get Your Free POF Letter
From form submission to POF letter in your inbox — same business day. No credit check. No cost. No commitment. Valid for all 20 states in our lending footprint.
Fill Out the Form
Complete the short form below with your name, contact info, and basic property details. Takes less than 3 minutes. No credit check or income docs required.
We Review & Issue
Our team reviews your request and issues your personalized Proof of Funds letter the same business day — typically within hours. For urgent requests, call (516) 336-9293.
Win the Deal
Submit your offer with our POF letter attached. When you win, apply for your hard money loan. We issue a same-day commitment and close in as few as 7 days with zero upfront fees.
Why Our POF Letters Win Deals
- No cost, no obligation whatsoever
- Same-day turnaround, often within hours
- Valid for MLS & all off-market transactions
- Accepted by sellers, agents & auction houses
- No credit score minimum — truly asset-based
- LLCs, corporations & foreign nationals welcome
- Direct lender — not a broker or marketplace
- 7-day close track record backs every letter
Need It Urgently?
Call us directly and we'll issue your POF letter immediately — often while you're still on the phone. No paperwork needed for the call.
📞 Call (516) 336-9293States We Issue POF Letters In
🗽 New York · 🌿 New Jersey · ⚓ Connecticut · 🌴 Florida · 🌵 Texas · 🍑 Georgia · 🌲 North Carolina · 🌴 South Carolina · 🌾 Alabama · 🏛️ Virginia · 🌻 Ohio · 🔔 Pennsylvania · 🦅 Massachusetts · 🏎️ Indiana · 🚗 Michigan · 🏇 Kentucky · 🎵 Tennessee · 🎷 Louisiana · 🌸 Mississippi · 🏝️ Long Island, NY
Ready to Fund Your Deal?
Once you win, our loan programs close in as few as 7 days:
Request Your Free POF Letter
Fill in the details below and receive your Proof of Funds letter the same business day — completely free, no obligation to borrow, no credit check.
We Issue POF Letters Across All 20 Service States
Why Investors Across 20 States Choose Our POF Letters
Hard money lenders that require credit checks, charge POF fees, or take days to respond cost you deals. Here is why serious investors trust Sab Tera Lending from their very first offer.
Same-Day, Every Time
We process every POF request the same business day it is received — typically within hours. For urgent deal situations, call us and we issue the letter immediately. No waiting 24–48 hours like other lenders.
No Credit Score Minimum
Lima One Capital requires 660 FICO. Kiavi requires 640. Easy Street Capital requires 600. Sab Tera Lending has no credit score minimum for POF letters or for hard money loans. Asset-based, period.
Direct Lender Authority
Our POF letters carry more weight than broker-issued letters because we fund from our own capital. Sellers know that when Sab Tera Lending backs a buyer, the deal closes — in 7 days or less.
20-State Footprint
From New York City to Miami, from Columbus to Detroit, from Nashville to New Orleans — our POF letters are recognized in every market we serve. One lender, 20 states, same credibility everywhere.
LLC & Foreign National OK
We issue POF letters and hard money loans to LLCs, corporations, trusts, and foreign nationals. No personal guaranty requirements that disqualify entity-based investors or international buyers.
Zero Upfront Fees Ever
POF letter is free. The loan application is free. We never charge upfront fees and have no prepayment penalties on any loan product. You pay nothing until your deal is funded and closed.
How Sab Tera Lending Compares to Other Hard Money Lenders
Before requesting a POF letter, know what separates a direct lender from a marketplace broker — and why the lender behind the letter matters to sellers.
| Lender | POF Letter | Credit Min | Max LTV | Min Rate | Upfront Fees | Close Time | Direct Lender |
|---|---|---|---|---|---|---|---|
| Sab Tera Lending | Free / Same Day | None | 90% LTV | 6.5% DSCR / 9.5% HM | $0 | 7 Days | Yes |
| Lima One Capital | Requires application | 660 FICO | 90% LTC | ~10.5% | Points + fees | 10–14 days | Yes |
| Kiavi (LendingHome) | After pre-qual | 640 FICO | 90% LTC | ~9.75% | Origination fee | 10–15 days | Yes |
| Easy Street Capital | After application | 600 FICO | 93% LTC | 8.90% (+$1,995 doc fee) | Doc fee required | 7–14 days | Yes |
| RCN Capital | Varies | 620 FICO | 90% LTV | ~10.0% | Origination pts | 10–14 days | Yes |
| LendingOne | After qualification | 620 FICO | 92.5% LTC | Varies | Origination fee | 14–21 days | Yes |
| Dominion Financial | Limited availability | 680 FICO | 87.5% LTV | ~9.99% | Points + fees | 7–14 days | Yes |
| West Forest Capital | Case-by-case | 600 FICO | 80% LTV | ~10.5% | Varies | 7–10 days | Yes |
| Park Place Finance | After application | 600 FICO | 80% ARV | Varies | Origination pts | 3–5 days | Yes |
| Broker / Marketplace | Rarely issued | Varies | Varies | Higher (markup) | Broker + lender fees | 14–30+ days | No |
Competitor data based on publicly available rate sheets and program guidelines as of 2026. Rates subject to change. Sab Tera Lending terms reflect current programs; contact us for a deal-specific quote.
Every Deal Type, Every Market
Our POF letters work for every investment strategy across all 20 service states. Here is when your POF letter makes the difference between winning and losing a deal.
🔨 Fix & Flip Offers
Distressed property sellers and their agents demand POF letters before entertaining any offer. Our letters signal you are backed by a lender that closes in 7 days — a significant advantage over conventional buyers that take 30–45 days.
🏷️ Wholesale & Assignment Deals
Wholesalers require proof that you can close before assigning a contract to you. Our letters open access to the best off-market pipeline in every state — from New York to Tennessee to Michigan.
🔨 Foreclosure Auctions
County tax sales, bank-owned auctions, and trustee sales often require proof of funds documentation at registration. Sab Tera Lending's letter satisfies those requirements across all our service states.
🏗️ Ground-Up Construction
Land sellers and sellers of teardown properties want assurance you can fund a construction loan before accepting your offer. We back ground-up construction projects up to 90% LTC across all 20 states.
🏢 Multifamily Acquisitions
Sellers of apartment buildings and multifamily properties require sophisticated proof of financing. Our POF letters for multifamily deals reflect our 5+ unit bridge and permanent loan programs up to multi-million dollar transaction sizes.
🏬 Commercial Properties
Mixed-use buildings, retail strips, office spaces, and industrial properties all benefit from a POF letter from a commercial hard money lender. We fund commercial deals across all 20 states with fast closes and flexible terms.
Proof of Funds FAQs
Everything real estate investors in all 20 service states ask us about POF letters — answered directly.
Fund It Fast — Our Loan Programs
Once your offer is accepted, we fund your deal in as few as 7 days. Choose the loan program that fits your investment strategy.
Fix & Flip Loans
Up to 90% LTV + 100% rehab financing. Rates from 9.5% IO. Close in 7 days.
Learn More →DSCR Rental Loans
No income verification. 30-year fixed terms from 6.5%. Scale your rental portfolio.
Learn More →Bridge Loans
Short-term bridge financing from 9.5% IO. Fund acquisitions, transitions, and exits fast.
Learn More →Ground-Up Construction
From 10.0% IO, up to 90% LTC. New builds in all 20 service states.
Learn More →Multifamily 5+
Apartment buildings, value-add bridge, and permanent loans nationwide.
Learn More →Commercial Hard Money
Mixed-use, retail, office & industrial. Fast commercial closings in all 20 states.
Learn More →Service Areas — We Lend Everywhere You Invest
POF letters and hard money loans available in all 20 states. Click your state for rates, market data, and deal case studies.
The Preferred Lender for Winning Investors Across 20 States
Get your free POF letter now — and when you win the deal, we'll fund it in 7 days with zero upfront fees.