Do you provide 100% financing?

Onyx Capital Lending does offer up to 100% financing, but it depends on the loan type and deal structure. Here’s how it works:

Fix-and-Flip Loans (Up to 100% Rehab Financing)

• We fund 100% of the rehab costs, meaning all renovation expenses can be covered.
• For the purchase price, we typically finance up to 85-90% Loan-to-Cost (LTC).
• If the After-Repair Value (ARV) is strong, we can finance up to 75% of ARV.
• Full 100% financing may be available for experienced investors with multiple successful flips.

Rental Loans (Buy-and-Hold Financing)

• Typically, we finance 75-80% Loan-to-Value (LTV) on rental properties.
• 100% financing is not common unless backed by additional collateral or a portfolio loan.

Bridge Loans (Short-Term Financing)

• We can provide 100% financing when additional collateral or cross-collateralization is used.
• Strong borrowers with high-credit and equity in other properties may qualify.

How to Get 100% Financing?

• Strong Deal Structure: A property with a low purchase price and high ARV increases the chance of full funding.
• Experienced Investors: Repeat borrowers or investors with a solid track record may qualify.
• Cross-Collateralization: If you own other properties, we may use them as additional security to fund 100%.
• Partnerships & Joint Ventures: Investors working with partners or private equity may access full funding.

If you’re looking for 100% financing, let’s discuss your deal and see how we can structure the loan to meet your needs!