Fast Fix and Flip Financing for Rehab Projects

If you've ever tried to finance a distressed property through a conventional bank, you already know how that story ends. The property needs work, so the bank won't lend. You need to close in 10 days, but underwriting needs 45. By the time they've asked for the fourth supporting document, the deal is already gone — bought by someone with fast capital.

Fix and flip investing runs on speed and certainty of close. The right financing partner changes the entire game.

What Is a Fix and Flip Loan?

A fix and flip loan is a short-term bridge loan built specifically for real estate investors who acquire, renovate, and resell properties for profit. Unlike conventional financing — which lends against the property's current, as-is value — our programs lend against the after-repair value (ARV): what the property will be worth once the renovation is complete.

That distinction is everything. A property with a current distressed value of $120,000 and a clean $240,000 ARV is a fundable deal. We see it that way. Traditional lenders see a house that needs work and decline it.

Who We Fund

Our fix and flip programs are designed for a wide range of investors:

• Experienced flippers actively running multiple renovation projects at once
• First-time investors with a solid scope of work, realistic ARV, and clear exit strategy
• Wholesalers doing double closes who need fast transactional funding
• Buy-and-hold investors using a flip to generate immediate equity before transitioning to a long-term rental
• Portfolio investors who need a lender that can keep pace with their acquisition volume

If you have a deal with margin, bring it to us. We evaluate the deal on its merits, not on your employment history.

What We Lend On

We fund a broad range of property types under our fix and flip programs:

• Single-family residences (SFR)
• 2–4 unit properties
• Small multifamily
• Distressed, vacant, and REO properties
• Non-warrantable properties that conventional lenders won't touch

The property doesn't need to be rent-ready or move-in ready today. It just needs a clear, fundable path to a strong ARV with a realistic renovation budget and timeline.

Our Loan Parameters

We keep our fix and flip programs straightforward and flexible:

• Loan-to-Cost (LTC): Up to 90%
• Loan-to-ARV: Up to 75%
• Loan Terms: 6 to 18 months
• Payments: Interest-only during the renovation and hold period
• Prepayment Penalties: None

You control the timeline. Pay off early when you sell, hold through the full renovation, or refinance into a rental — the loan is structured around your exit strategy, not ours.

Why Speed Is Everything in Fix and Flip

In the fix and flip market, the deal that wins is the deal that closes first.

MLS listings with rehab upside get multiple investor offers within hours of hitting the market. Auction acquisitions require same-day deposits and closing windows of 10 to 30 days. Off-market deals move when the seller is ready — not when a bank's underwriting queue opens up for the week.

We are a direct lender. There are no middlemen routing your file to a correspondent bank for approval. We make our own underwriting decisions, with our own capital, on our own timeline. When you need to close in 7 to 10 business days, we build a process that gets you there.

Why Investors Fund With Us

We don't just lend on rehab projects — we understand them.

ARV analysis, scope of work, draw schedules, holding costs, exit strategy — we speak your language. When you bring us a deal, you're not explaining real estate investing to a bank officer who has never seen a job site. You're talking to a team that evaluates rehab deals daily and knows exactly what makes a project fundable.

As a direct lender, we underwrite, approve, and fund in-house. No broker fees layered on top of your deal. No approval delays from an institution three states away. Our decision is the only decision that matters — and we make it based on the deal, not on documentation designed for salaried homebuyers.

We fund across most U.S. states with flexible programs that scale as your investment volume grows.

Ready to Submit Your Deal?

If you have a property with margin — distressed, vacant, or in need of a significant rehab — bring it to us. We'll evaluate the deal, run the ARV, and tell you exactly what we can do.

We lend. We fund. We close.

Submit your fix and flip scenario today and let's get your next project funded.