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Fix & Flip Loan

Fast Funding. Flexible Terms. No Upfront Costs.

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Finance the purchase and rehab of distressed properties. Fast approvals, interest-only payments, and funding based on ARV.

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12-18 Months

Maximum Repayment Term

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$75k-$10M

Available to Qualified Borrowers

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Up to 95% LTC

Loan Amount Available

Fix and flip loans are short-term financing solutions designed for real estate investors looking to acquire, renovate, and quickly resell residential properties for profit. Whether you're a seasoned investor or just starting out, these loans provide fast, flexible capital to help you move quickly on undervalued properties that need work.

Unlike traditional bank loans, fix and flip loans focus on the property’s after-repair value (ARV) rather than your personal income or credit score. This allows investors to borrow based on the project’s potential, not just their financial history. Funds can be used to cover both the purchase price and renovation costs, with loan terms typically ranging from 6 to 18 months.

What is a Fix and Flip Loan?

These loans are especially useful when speed is critical. In many cases, funding can be secured in just days, enabling investors to compete with cash buyers. Renovation funds are often disbursed in draws as work is completed, helping investors manage cash flow and stay on schedule.

Whether you're flipping a single-family home or scaling your portfolio, fix and flip loans offer a streamlined, asset-focused lending option designed to help you move fast, build equity, and grow your returns.

Benefits of Fix and Flip Loans

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Quick Closings

Get funding in as little as 1–3 days so you can jump on opportunities without delays. Compete with cash buyers and lock in deals fast.

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No Out-of-Pocket Rehab Costs

Preserve your capital — financing can cover up to 100% of renovation expenses, helping you scale faster and boost ROI.

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Minimal Documentation

We keep it simple. No endless paperwork — just a streamlined process designed for speed and ease.

How do Fix and Flip Loans work?

Fix and Flip Loans are structured in two main phases—purchase and renovation—with funding released in stages to maximize efficiency and reduce risk.

1. Property Acquisition

When you find a property to purchase, the lender typically funds 75%–95% of the purchase price, depending on your experience, creditworthiness, and the strength of the deal. The remaining 5%–25% is your down payment, which shows your commitment and reduces lender risk.

This upfront capital allows you to move quickly on opportunities—especially in competitive markets where speed matters.

2. Renovation Draw Process

After closing, your approved rehab budget is placed into a construction escrow account managed by the lender. Funds are not released all at once—instead, they are distributed in draws as work progresses. Here's how it works:

  • You complete a portion of the renovation (e.g., demo, framing, electrical).

  • You submit a draw request with receipts or contractor invoices.

  • The lender verifies the work (often with a quick video or photos).

  • Funds are released to reimburse you or pay vendors directly.

This staged funding approach protects everyone involved, while keeping your capital freed up for other deals or expenses.

What we look for in a client.

Down Payment

As low as 5%

Credit Score

620+ FICO

Funding Amount

$75,000 Minimum

Experience

None Required

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Apply for a Fix and Flip Loan in Minutes.

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Start with our fast, online form—designed to take just minutes.

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Receive a Personalized Offer

One of our funding experts will send you a tailored term sheet to review.

Accept and Secure Your Terms

Review your offer, sign electronically, and lock in your funding terms.

Complete Your Application

Receive Your Funds & Close

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Close the deal and receive your funds—often in as little as a few business days.

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 FAQs

  • A fix and flip loan is short-term financing used by real estate investors to purchase, renovate, and quickly resell a property for profit. It typically covers both acquisition and rehab costs.

  • Loan amounts vary, but many lenders offer up to 85-95% of the purchase price and 100% of rehab costs, as long as the total loan doesn't exceed a certain percentage of the ARV (typically 65-75%).

  • Most fix and flip loans range from 6 to 18 months, with some options allowing short extensions depending on the lender.

  • Renovation funds are held in escrow and released in draws after specific phases of work are completed and verified through inspections or documentation.

  • Not directly. These loans are for short-term resale projects. If you plan to hold and rent, you'd need to refinance to a DSCR loan or rental property mortgage after the flip is complete.