A fix-and-flip loan is a short-term, asset-based loan designed to help real estate investors purchase, renovate, and quickly resell a property for profit. These loans focus on the property’s value, not personal income.

Private fix and flip loans are designed for speed. In many cases, approvals can happen within 24–48 hours once we receive the necessary project details. Because underwriting focuses on the property and deal structure rather than lengthy bank requirements, closings can move significantly faster than traditional financing.

Depending on the project, financing may cover the purchase price, renovation budget, and certain holding costs. Many investors use fix and flip loans to fund both acquisition and improvements, allowing them to preserve cash while keeping their project moving forward.

We commonly finance single-family homes, multi-unit residential properties, condos, and certain mixed-use investments intended for renovation and resale. Each property is reviewed individually to confirm eligibility and investment potential.

Most fix and flip loans are short-term, often ranging from 6 to 18 months. This timeframe aligns with typical renovation and resale schedules, giving investors the flexibility to complete improvements and exit the project successfully.