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Up to 100% of repair costs

Fix & Flip Financing — Up to $3,000,000 and 100% of Repair Costs

Fix and flip financing is short-term money underwritten against a property's after-repair value rather than its condition today. Qualified projects can have 100% of repair costs financed, which is the difference between doing one flip a year and doing four.

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Program guidelines

AmountUp to $3,000,000
TermFlexible, project-matched
SpeedPrequalified in minutes
CreditProgram dependent
Time in business3+ properties in last 36 months
Revenue—

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Experienced investors with a track record
  • Value-add single family and small multifamily
  • Projects where the rehab budget is the constraint, not the purchase
  • Investors who need certainty of close to win an auction or off-market deal

How it works

  1. Underwriting starts with the ARV, the scope of work, and your track record.
  2. Qualified properties can finance 100% of repair costs, usually drawn in stages as work is inspected.
  3. Terms are set to the project timeline, not a generic schedule.
  4. Prequalification takes minutes; the diligence is on the property.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Fix & Flip Financing — straight answers

Do I need experience to get a fix and flip loan?
Yes. The published requirement is at least three properties owned, bought, or sold in the last 36 months in any combination. First-timers generally need a partner with a track record or a different structure.
Can I finance 100% of the rehab?
Qualified properties can have 100% of repair costs financed. It is drawn in stages against completed, inspected work — not handed over at closing.
How is the loan amount decided?
Off after-repair value and the scope of work, which is why a defensible ARV and a real contractor bid are the two documents that matter most.

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See if you qualify for fix & flip financing

One application, a soft review only, and an honest read on whether this is even the right product for you.

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Checking your options does not affect your business credit. A soft review only.