😤 Why Banks Ghost You After Term Sheets 😤

[Stevan Stojakovic]

😤 You finally get that long-awaited term sheet from the bank. You think the deal is on track. Then… silence. No calls, no emails, no closing. You’ve been ghosted.

It happens more often than you think - and here’s why.
Banks issue term sheets as “maybes,” not commitments. Once your file moves from the loan officer’s desk to the credit committee, everything changes. If their risk tolerance shifts, your tax returns don’t line up, or the appraisal doesn’t hit, the deal quietly dies.

The signs are always there if you know how to read them. Endless document requests. Delays on ordering the appraisal. Vague answers about timeline. If you’ve been through it, you know the pain - wasted months, lost opportunities, and deals falling apart.

That’s why private lenders exist. We don’t deal in “maybes.” We underwrite upfront, we tell you what works, and we close when banks disappear.

I just released a video: “Why Banks Ghost You After Term Sheets.”
Inside, I break down:
💡 Why banks pull out late in the game
💡 How to spot the signs your deal was never truly bankable
💡 Real-world reasons private lenders step in when banks vanish

👉 Watch the full video here: 

👉 Got ghosted? DM us your term sheet and we’ll see if we can still close it.

Banks ghost. PhoenixFunded funds. 🚀