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Part of Glovenco’s Funding Engine. 

Short-term acquisition and renovation capital for fix-and-flip investors.

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

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

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What is Fix & Flip Financing?

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

Who This Is For:
    Investors acquiring distressed or undervalued properties to renovate and resell. Works for both experienced flippers and investors executing their first structured flip.

When It’s Used:
     When purchasing a property that requires renovation before it can be sold or refinanced. Typically used on residential 1–4 unit properties with a defined rehab scope and resale timeline.

Why It Matters:
     Fix and flip capital is structured around the after-repair value (ARV), not the current condition of the property — allowing investors to access capital that reflects the deal’s true potential.

  • Available for both individual and entity borrowing (including LLC and corporate structures), depending on the investor’s strategy, lender guidelines, and jurisdictional considerations.
  • In certain jurisdictions, entity vesting is preferred for business-purpose lending to streamline execution and avoid regulatory or foreclosure complexities.

 

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.

Processed through Gloven Capital — These products are originated through Gloven Capital, Glovenco’s dedicated real estate capital division. You can also apply directly at glovencapital.com.

⭐ 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 Discuss Your Acquisition Capital Needs?

Discuss Your Acquisition Capital Needs:

Schedule a consultation through this form, or contact us via WhatsApp at +1 (407) 725-1066.

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