Up to 90% of Purchase + Rehab Costs. Close in as Little as 14 Days. No Tax Returns Required.

If you're a real estate investor buying distressed properties to renovate and resell, you need a lender who moves as fast as you do. At Onyx Capital Lending, we've funded over $300 million in investor loans — and fix and flip is one of our most powerful programs. We've funded deals in 5 days when the situation called for it.

Traditional banks take 60+ days and still say no. We say yes in days.

What Is a Fix and Flip Loan?

A fix and flip loan is short-term financing designed specifically for real estate investors who purchase undervalued or distressed properties, renovate them, and sell at a profit. Unlike conventional mortgages, fix and flip loans are structured around the deal — not your personal income or tax returns.

We lend based on:

The property's After Repair Value (ARV) — what it's worth after renovation

Your experience as an investor — first-timers welcome

The strength of the deal — purchase price, rehab budget, exit strategy

Who Is a Fix and Flip Loan For?

✅ Experienced flippers scaling their portfolio

✅ First-time investors doing their first rehab deal

✅ Wholesalers who want to start flipping instead of assigning

✅ Contractors and builders buying distressed properties

✅ Self-employed investors with write-offs that reduce taxable income

✅ Investors who've been turned down by banks or hard money lenders

Onyx Capital Lending Fix & Flip Loan Highlights

FeatureDetailsLoan-to-Cost (LTC)Up to 90% of purchase + rehabLoan-to-ARVUp to 75% of After Repair ValueLoan Amounts$75K – $5M+Loan Term6 – 24 monthsInterest RateCompetitive, based on deal and experienceDraw ScheduleFunds released in draws as work is completedNo Tax Returns✅ Never requiredNo W-2 or Pay Stubs✅ Never requiredFirst-Time Investors✅ WelcomeLLCs & Entities✅ AcceptedAvailable In48 StatesClose InAs fast as 14 days

The Fix & Flip Process — How It Works

Step 1 — Submit Your Deal
Share the property address, purchase price, estimated rehab budget, and your target ARV. We can give you a same-day decision in most cases.

Step 2 — We Underwrite the Deal
We look at the property, the numbers, and your exit strategy — not your tax returns. Our underwriting is fast because we focus on what matters.

Step 3 — Appraisal + Approval
We order a quick appraisal based on ARV. Once confirmed, you're approved and moving toward close.

Step 4 — Close Fast
Most deals close in 14–21 days. When a hot deal requires it, we've closed in as few as 5 days.

Step 5 — Draw Schedule During Rehab
Funds for renovations are released in draws tied to construction milestones. Your capital is protected. Your project keeps moving.

Step 6 — Sell + Repay
Once the property sells, you repay the loan and keep the profit. That's your flip complete.

Why Investors Choose Onyx Capital Lending

Speed — We've funded deals in 5 days. When you find the right property, you can't wait 60 days for a bank.

Flexibility — We work with investors at every experience level. First deal or fiftieth — we structure the loan around your specific situation.

High LTC — Up to 90% of purchase + rehab means you keep more of your own capital free for the next deal.

No Income Verification — We don't care what your tax return says. We care about the deal.

Experience — Founded in 2016, we've funded over $300 million in investor loans. We've seen every type of deal and know how to close them.

Fix & Flip Loan FAQ

How much do I need to put down?
Typically 10–15% of the total project cost (purchase + rehab). With 90% LTC, your out-of-pocket is minimal.

Do you lend to first-time flippers?
Yes — we work with first-time investors. Having an experienced contractor or a solid comparable sales analysis strengthens your deal.

What properties do you lend on?
Single-family homes, 2–4 unit properties, condos, and small multifamily. Light commercial fix and flip considered on a case-by-case basis.

How are rehab funds disbursed?
In draws — as you complete phases of the renovation, you request a draw and we release the next tranche of funds after a brief inspection.

Can I use an LLC?
Absolutely — most serious investors hold properties in LLCs and we prefer it. Lending to LLCs, LPs, and corporations is standard practice for us.

What if the deal takes longer than expected?
We offer loan extensions. Rehabs run long — we're not going to pull the rug out on you if a project runs a few weeks over.

What's the maximum number of projects I can have at once?
Multiple concurrent projects are fine. Experienced investors with a track record of flips can run several deals simultaneously with Onyx.

Real Results From Real Investors

"Onyx funded my Fix and Flip in 5 days when my last lender backed out last minute. Closed, renovated, and sold in 4 months — made $58K on the deal."
— Marcus T., Providence RI

"I was a first-time flipper and Richard walked me through the entire process. The 90% LTC meant I could do two deals instead of one with my capital."
— Elena R., Boston MA

Ready to Fund Your Next Flip?

Stop losing deals to slow lenders. If the numbers work, we close fast.