Fix and Flip Loan Program

A "fix and flip" loan is a short-term bridge loan used to purchase property with the intent to sell it for a profit after the renovations are complete. A fix and flip loan is a great fit in the following situations:

  1. When you need to close fast (Our average time to close is 7 - 14 days!)
  2. When the property needs renovations.
  3. When you need high leverage (We offer up to 90% LTC)
  4. When the property is not yet stabilized, leased up, or generating any income.
  5. When you can't provide verifiable income (no tax returns available).
  6. When you only want a short term loan with no prepayment penalty

At Capital Funding Financial, our fix and flip loans close very quickly... even in as little as 7 days! Our fix and flip loans require no personal income verification and very little documentation! Our Fix and Flip loans are a great way to start leveraging your existing capital and generate more income with the ability to close & flip more projects at once!  Capital Funding Financial finances both the acquisition and the renovation costs of the project. Simply bring your initial closing costs and Capital Funding Financial will fund the rest including reimbursing you for the renovation costs as the work is completed.

Program Overview

Loan Amount: $75,000 – $10 Million
Term Length: 12 – 24 Months
Max LTV: 80%
Max LTC: 90% (exception based)
Amortization: Interest only
Interest Rate: Starting at 9.49%
Closing Time: 7 - 14 Days
Loan Use: Purchase, refinance, cash-out,
construction, renovation
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Pro's Fix & Flip Loans:

  • High Leverage (up to 90% LTC)
  • Quick closing in 14 Days
  • Interest-only payments
  • No Prepayment Penalty
  • No Income Documentation
  • 660 Minimum Credit Requirement
  • No Experience Required (Yes, we lend to new borrowers)

What Do I Need To Qualify?

  • Simple... A profitable project
  • LTV: Up to 90% Loan to Cost and 75% "After Repair" Value
  • Origination Fee: 1.50% - 2.50% of the loan amount
  • Prepayment Penalty: None

Eligible Properties for Fix & Flip Loans

Single Family

Single Family is classified as one to four-unit residential use dwellings including condominium, P.U.D., town homes, duplex’s, triplex’s, and quadplex’s. At Capital Funding Financial, we lend to real estate investors looking to purchase, refinance, fix & flip, or buy in order to fix it then rent it out.

Multi Family

Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding Financial, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+.

Mixed Use

Mixed-use is a type of development that blends residential and commercial uses into one integrated complex or building. At Capital Funding Financial, we will lend to real estate investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+.

Required Documents for Closing


  • Purchase Contract
  • Payoff Statement (if Refinance)
  • Rent Roll & Leases (if applicable)
  • Renovation Budget  (Download)


  • Loan Application (Download
  • Track Record (Download)
  • Last Month's Bank Statement
  • Drivers License and/or Passport


  • Articles of Incorporation
  • Operating Agreement (LLC) or Bylaws (Corp.)
  • EIN Letter

Recently Closed Fix & Flip Loans

fix and flip loan atlanta
fix and flip lender

Is a Fix & Flip Loan Right For Me?

loans for flipping houses

Close in as little as 7 Days!

Benefits of our Fix & Flip Loans:

  • Close in 14 Days
  • Up to 90% LTC
  • No Income Documentation
  • Low Credit Requirement
  • No Experience Required
  • No Prepayment Penalty

Approval Process

Close in as little as 7 Days! From start to finish in 5 easy steps!

Submit Loan Request
Upload Documents & Accept LOI
Appraisal & Title Ordered
Final Legal Review