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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.

A contractor and investor on the porch steps of a house mid-renovation

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.

Compare with

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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.

Get Pre-QualifiedSee funding options Text FUNDING to (540) 556-4123

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