Fix & Flip Financing

Designed for professional investors acquiring undervalued properties to renovate and resell.

What is a Fix & Flip Loan?

Fix & Flip financing is a short-term, asset-based capital solution structured around a property’s purchase price and projected After Repair Value (ARV).

These programs are designed for investors acquiring undervalued properties, executing renovations, and reselling for profit within a defined timeline.

Includes:

Up to 80–90% of purchase price
Renovation financing structured around ARV
Draw-based construction disbursements
Programs for both experienced and first-time investors
Flexible 6–18 month terms (depending on profile)

This loan is designed to:

✔ Buy a discounted property
✔ Renovate a property
✔ Sell a property at a profit

Includes purchase + rehab.

Ideal for:

Professional fix & flip investors
Contractors acquiring properties directly
First-time investors with strong deal fundamentals
Growing investment teams scaling operations

⭐ Advantages

🟢 Fast access to capital for acquisition and renovation

🟢 Flexible underwriting focused on deal fundamentals

🟢 Financing structured around After Repair Value (ARV)

🟢 Short closing timelines for competitive purchases

🟢 Scalable solutions for repeat investors

⭐ Requirements

🟢 10–20% down payment (20–30% for first-time investors)

🟢 Documented After Repair Value (ARV)

🟢 Detailed Scope of Work (SOW) and renovation budget

🟢 Liquidity for reserves and cost overruns

🟢 Experience evaluated per transaction (for new investors)

Frequently Asked Questions:

What are the key features of Fix & Flip?

Fast Capital: Typical closings in 7–14 days once underwriting is complete.
Repair Financing: Up to 100% of renovation costs financed, based on borrower experience and project strength.
Flexible Down Payment: Starting around 10% for experienced investors (higher for first-time borrowers).
No Personal Income Verification: Qualification is based primarily on the asset, ARV, liquidity, and experience — not W-2s or tax returns.
ARV-Based Lending: Loans structured up to approximately 70%–75% of After-Repair Value (ARV), depending on profile.

What is the procedure?

Deal Submission: Submit your business presentation, property details, purchase contract, and scope of work.
ARV & Risk Assessment: We evaluate the After-Repair Value (ARV), budget, and overall deal structure.
Conditional Approval: Initial approval typically issued within 24–48 hours after complete submission.
Underwriting & Closing: Final review, appraisal (if required), and closing coordination.
Rehab Draw Process: Renovation funds are released in controlled draws based on completed work.

Do I need prior experience?

No, prior experience is not required.

However, experienced investors typically qualify for stronger terms, including lower down payments and higher leverage.

For first-time investors, each deal is evaluated based on the strength of the property, scope of work, budget, and overall structure. In some cases, additional reserves or adjusted terms may apply.

Is 100% of the rehab financed?

In many cases, yes.

Up to 100% of the renovation budget may be financed, depending on your experience, the deal structure, and the After-Repair Value (ARV).

Rehab funds are disbursed in controlled draws as work is completed and inspected.

Can I use an LLC?

Yes.

Fix & Flip loans are typically structured through an LLC or corporation, which is common for liability protection and portfolio management.

Ownership structure is reviewed during underwriting to ensure proper documentation and compliance.

Can I be a foreigner?

Yes.

Foreign investors may qualify for Fix & Flip financing, typically through a U.S. LLC structure.

Down payment requirements are generally higher than for domestic borrowers, and additional documentation may be required for compliance and underwriting review.

Each transaction is evaluated based on project strength, liquidity, and exit strategy.

Ready to Close Fast?

Short-Term Capital Structured Around Purchase Price & After Repair Value (ARV)