Fix and Flip Loans

Made Simple

Close Fast

Our Team is dedicated to closing your deals as quickly as possible. Expedited Loans can be closed in as quickly as 72 hours.

High leverage

Up to 95% Loan-to-cost, 85% ARV, & 100% of renovation costs Covered. Scale your business by using our capital.

Competitive rates

Industry low rates and flexible terms. Our Investor Loyalty Program Offers significant discounts on loan costs.

Is A Fix-and-Flip Loan Right For You?

What are fix-and-flip loans?

Fix-and-flip loans are short-term flexible financing options designed to help investors buy, renovate, and sell properties quickly and for a profit.

How do fix-and-flip loans work?

Fix-and-flip loans, also known as bridge loans, hard money, or private money loans typically cover a large portion of the purchase price and renovation expenses, often offering up to 95% of loan-to-cost (LTC) and 85% of after-repair value (ARV). The loan terms are short, typically 6 to 12 months, aligning with project completion timelines. Once the property is sold, the loan is repaid, and the investor retains the profit. This type of loan helps investors maximize their capital efficiency and scale their flipping business effectively.

What are the requirements for fix-and-flip loans?

Fix-and-flip loan requirements vary but often include a minimum credit score of 620 (though not always required) and a 5% to 15% down payment. Prior real estate experience can improve approval chances but isn’t mandatory. Borrowers should also show financial reserves to cover payments. These factors help lenders assess risk.

How fast can I get a fix-and-flip loan?

In some cases, funding in as little as 72 hours is possible for expedited closings. However, typical closing timelines range from 2 to 4 weeks, depending on the deal’s complexity and the lender’s processes. It’s essential to work with a responsive lender to ensure timely funding for your investment projects.