How quickly can I get funded?

We can close fix-and-flip loans in as little as 14 days from a complete application. For repeat borrowers, we can often close even faster.

Do I need flipping experience?

While experience is preferred, we work with first-time flippers as well. We evaluate each deal on its merits, including the property, the renovation plan, and the after-repair value.

How are rehab funds disbursed?

Rehab funds are held in escrow and disbursed through a draw schedule. As you complete phases of the renovation, we send an inspector and release the next draw within 2-3 business days.

Fix and Flip

Renovate. Resell. Repeat.

Last updated March 22, 2026

Loan Amount

Up to $5M

LTC

Up to 95%

Term

12–24 Months

Closing

As Fast as 14 Days

Program Overview

Our Fix and Flip program provides short-term financing for investors looking to purchase distressed or undervalued properties, renovate them, and sell for a profit. Whether you're a first-time flipper or a seasoned investor, our streamlined process gets you funded quickly so you never miss a deal. We finance the purchase price and renovation costs, with interest-only payments to keep your carrying costs low during the rehab period.

Loan Terms

Loan Amount$50,000 – $5,000,000

Loan-to-Cost (LTC)Up to 95%

Loan-to-ARVUp to 75%

Interest RateStarting at 9.50%

Loan Term12 – 24 months

AmortizationInterest-only

Origination Fee2% – 4%

Prepayment PenaltyNone

Closing TimeAs fast as 14 days

Rehab Holdback100% of rehab budget (drawn in stages)

Eligibility

US Citizens, Permanent Residents, and Foreign Nationals

Minimum credit score: 660 (flexible for experienced investors)

Real estate investment experience preferred but not required

Entity required (LLC, Corp, or Trust)

No income verification needed

Minimal liquidity requirement

90% leverage for first time investors with great credit

Eligible Property Types

Single-family residences (SFR)

Townhomes and condos

2–4 unit properties

Multifamily (case by case)

How Investors Use This Program

Quick Acquisition

Secure a distressed property before the competition with our fast 14-day closing. Perfect for auction purchases and off-market deals.

Full Renovation Financing

Finance both the purchase and renovation costs. Rehab funds are held in escrow and released as work is completed through a draw schedule.

Bridge to Sale

Use our interest-only structure to minimize carrying costs while you renovate and list the property for maximum resale value.

Frequently Asked Questions

Ready to Get Started?

Get a personalized quote for your fix and flip project in minutes.

Call 800-846-8628

Why Lending Specialty?

Fast Closing

As fast as 14 days

Competitive Rates

Starting at 5.5%

Direct Lender

No middlemen, no delays

Contact Us

+1 800-846-8628 [email protected]

Ready to Fund Your Fix and Flip Project?

Get a personalized quote in minutes. Our team is ready to help you close your next deal with speed, transparency, and dependability.

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