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 portfolios

✅ 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 closing.

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,… (truncated for prompt size; rewriting this path replaces the WHOLE field — output a complete replacement value if you patch this row)