Fix and Flip Loans

If you’re a real estate investor targeting distressed or undervalued properties, securing the right funding quickly is essential. Traditional bank financing can be slow and restrictive, which is why many investors turn to private money—also known as hard money—lenders. In today’s competitive market, having fast, reliable capital is just as important as finding a great deal. Private lenders make that possible.

A Fix & Flip hard money loan is a short-term, asset-based loan secured by the property itself rather than your personal income or credit profile. Instead of focusing on your credit score, these loans are primarily underwritten based on the property’s After Repair Value (ARV)—what the property is expected to be worth once renovations are complete. Since most fix-and-flip properties require significant updates, our rehab-focused funding is designed to help investors acquire, renovate, and resell properties quickly and efficiently. This flexibility is a major advantage over conventional lending options.

Loan Terms

Loan Amounts: $250,000 – $5,000,000
Rates: 9% – 15%
Payments: Interest-only
LTV: Up to 80%
Rehab Funds: Up to 100%
Term: 12–24 months (with extension options available)
Use of Funds: Financing for purchase and renovation
Draw Process: Fastest draw system in the industry
Minimum Credit Score: 580