Speed That Wins Deals
Term sheet in 2 hours. Close in as little as 5 business days. When the deal is hot, we move fast.
Fix & Flip Loans — Nationwide
Fix & Flip Loans — Up to 90% LTC, Close in 5 Days
Private Fix & Flip financing with no income verification. We fund the purchase and the rehab so you can move fast, renovate smart, and maximize your spread.
No income verification680+ credit scoreClose in 5 daysRehab included
Up to 90% LTC
Loan-to-Cost
From 8.75%
Interest Rate
Close in 5 Days
Speed to Close
No Income Verification
Qualification
Why Investors Choose Us
Fix & Flip Financing Built for Speed
Every feature of our Fix & Flip loan program is designed around one thing: helping you close, renovate, and sell faster than the competition.
Flexible Terms
12 or 24 month terms with interest-only payments. Tailor the loan to your flip timeline.
No Income Verification
We qualify on the deal, not your W-2. Self-employed investors and LLCs are fully welcome.
Rehab Costs Included
We fund both the purchase and 100% of your rehab budget, so you can maximize your spread.
Pricing
Fix & Flip Loan Rates
Straightforward pricing with no hidden fees. What you see is what you get at closing.
| Loan Size | Max LTC | Rate | Points | Term |
|---|---|---|---|---|
| $75K–$500K | 90% LTC | From 8.75% | 1.5–2.5 | 12–24 mo |
| $500K–$2M | 90% LTC | From 9.25% | 1.0–2.0 | 12–24 mo |
| $2M+ | 90% LTC | Negotiated | Negotiated | 12–24 mo |
* Rates and terms are indicative and subject to change. Final terms depend on deal specifics and borrower profile.
Simple Process
From Application to Funded in 4 Steps
01
Submit Your Loan Request
Complete our streamlined online application in under 5 minutes. Tell us about the property and the deal.
02
Receive a Term Sheet
Get a preliminary term sheet within 2 hours — no fluff, no runaround. Real numbers you can plan around.
03
Underwriting & Approval
We move fast. Most Fix & Flip loans are fully approved within 5–7 business days.
04
Fund & Close
Loan is disbursed to the title company on the day of closing. You close, you renovate, you profit.
FAQ
Fix & Flip Loan Questions Answered
What is the maximum LTC for Fix & Flip loans?
We lend up to 90% of the combined purchase price and rehab budget (Loan-to-Cost). On the purchase component alone, we go up to 90% of the as-is value. We also fund 100% of rehab costs within that LTC.
Do I need income verification or W-2s?
No. Funded Capital's Fix & Flip loans are asset-based. We qualify on the deal — the property value, your ARV, and your exit strategy — not your personal income or employment history.
How fast can I close?
We issue term sheets within 2 hours of application and can close loans in as little as 5 business days for straightforward deals. More complex transactions typically close in 7–14 business days.
What credit score do I need?
We prefer a 680+ credit score, but we evaluate each deal holistically. Strong deals with experienced borrowers may qualify with scores below 680. Talk to a loan officer to discuss your specific situation.
Can you fund the rehab costs as well as the purchase?
Yes. We fund both the acquisition and up to 100% of your approved rehab budget within the overall 90% LTC cap. Rehab funds are disbursed via a draw schedule as work is completed and inspected.
Get Funded Fast
Apply for Your Fix & Flip Loan Today
No commitment required. Get your term sheet within 2 hours and know exactly where you stand before you proceed.