Fix & Flip Financing
Fix and Flip Financing
Hard money loans built for speed — close in as little as 4 business days with no appraisal required, no junk fees, and no prepayment penalty. From purchase to rehab, we fund it all.
Our fix and flip loans are designed for real estate investors who need fast, reliable capital to purchase, renovate, and resell properties. Whether you're a seasoned flipper or just getting started, we have a program that fits.
Loan Terms
Fix & Flip Loan Details
Loan Amounts$75K – $3M
Rates8.90% – 10.90%
PaymentInterest Only
Points2.0% – 3.0%
Doc Fee$1,495
Processing Fee$500
Credit Score660 Minimum
LTCUp to 93%
LTVUp to 75%
Term6-18 Months
Why Choose Our Fix & Flip Loans?
- 4-Day CloseQuick turnaround when title is clear
- 93% LTCUp to 90% of purchase + 100% of rehab
- No Appraisal RequiredSave time and money (state dependent)
- No Junk FeesTransparent pricing, no surprises
- No Prepayment PenaltyPay off the loan anytime
- Fastest Draws in the IndustryGet rehab funds quickly
Geography
Available nationwide — except for the following markets: LA, MN, MO, NY, SD, ND, Baltimore, and Northern NJ.
Property Types
Residential properties only — Single Family Residences (SFR) and 2-4 unit properties.
Borrower Requirements
Minimum 660 credit score. Both experienced and first-time investors welcome. We work with you to structure the right deal.
The Process
How Our Fix and Flip Loans Work
- 1. Apply OnlineSubmit a quick application with basic information about your fix and flip project. Takes less than 10 minutes.
- 2. Get Pre-ApprovedReceive a pre-approval decision within 24 hours so you can move quickly on deals.
- 3. Submit Property DetailsProvide your property details, scope of work, and rehab budget. Our team reviews everything fast.
- 4. Underwriting & ApprovalOur experienced underwriters move quickly to approve your loan. No bureaucracy, no delays.
- 5. Close in 4 DaysSign loan documents and close in as little as 4 business days when title is clear.
- 6. Draw Funds for RehabAccess rehab funds quickly through our streamlined draw process.
Hard Money Financing
Why Choose Hard Money for Fix and Flip?
Speed Matters in Real Estate
Traditional bank loans take 30-60 days to close. Our fix and flip loans close in as little as 4 business days, giving you the competitive edge to win deals and start projects faster.
Asset-Based Lending
Hard money fix and flip loans are based primarily on the property value and your project plan, not just your credit score. This makes our loans accessible to a wider range of real estate investors.
Built for Investors, By Investors
Our fix and flip loans are designed specifically for real estate investors. We understand the unique needs of flipping properties — from short-term financing to flexible draw schedules for renovation expenses.
No Surprise Fees
We pride ourselves on transparent pricing with no junk fees. What you see is what you get — clear terms, predictable costs, and no prepayment penalties.
Frequently Asked Questions
Fix and Flip Loans FAQ
How quickly can I close on a fix and flip loan?
Our fix and flip loans can close in as little as 4 business days when the title is clear — making us one of the fastest hard money lenders in the industry.
What credit score is needed?
We require a minimum credit score of 660. We focus more on the property and project than your credit profile alone, so even investors with average credit can qualify.
How much can I borrow?
Our fix and flip loans range from $75,000 to $3 million. We finance up to 90% of the purchase price and 100% of the rehab budget.
Are there prepayment penalties?
No. Our fix and flip loans have zero prepayment penalties. Once you sell your flipped property, you can pay off the loan at any time without any extra fees.
Ready to Fund Your Flip?
Get a quote for your next deal.
Free quote in less than 24 hours. No obligation, no junk fees, no surprises.