Fix and Flip Financing Every Option, One Place
Hard money, bridge loans, portfolio lines of credit. We connect real estate investors to the right fix and flip financing for their deal, experience level and timeline.
Loan Parameters
Fix and flip financing at a glance
Programs vary by capital source. Final terms disclosed at offer.
Fix and flip financing options
Hard Money Loans
The fastest path to closing. Asset-based underwriting focuses on the property deal, not your W-2. Closings in 7 to 14 business days. Terms from 6 to 24 months. Best for acquisitions where speed is a competitive advantage and the renovation scope is well-defined.
Bridge Loans
Short-term financing that bridges the gap between two transactions. Use a bridge loan to purchase your next flip before selling your current one, or to acquire a property quickly before placing permanent or conventional financing. Longer terms available than standard hard money.
Portfolio Lines of Credit
A revolving credit facility for experienced investors. Draw funds deal to deal without reapplying each time. Available to investors with three or more completed flips and a documented track record. Lower transaction costs per deal and faster access to capital on repeat projects.
Construction Draw Programs
Designed for heavy rehab and full gut renovations. Funds 100% of approved renovation costs in staged draws tied to construction milestones. Draw requests are released as each phase of work is completed and inspected, so you never carry the full rehab cost out of pocket.
Choosing the right fix and flip financing
Not every deal needs the same financing product. Here is how we think about matching your situation to the right capital structure.
First flip, light rehab
Hard Money Loan
Accessible with 620 credit, 10-20% down, no track record required
Fast auction or courthouse buy
Hard Money Loan
7 to 14 day close, minimal documentation required at offer
Buying next before selling current
Bridge Loan
Bridges two transactions without forced liquidation of existing asset
Full gut renovation
Construction Draw Program
Stages funds as work is completed, minimizes out-of-pocket carry
3 or more flips per year
Portfolio Line of Credit
Revolving facility eliminates per-deal origination and saves time
Light cosmetic flip, flexible timeline
Any of the above
Multiple product types work here. We match based on your rate target and close timeline
The table above is a starting point. Real deals often have competing priorities. A fast close might matter more than the lowest rate. A first-time flipper might have a deal strong enough to access better terms than the default first-flip program. We look at the full picture before recommending a product.
You can also explore our fix and flip loans overview for a deeper look at how these products are structured, or visit our fix and flip lenders directory to see options by state.
What affects your financing terms
After-Repair Value (ARV)
ARV is the single most important number in fix and flip financing. Lenders cap the total loan at 70% to 75% of ARV. A higher ARV relative to your purchase price and renovation budget means more available financing and a better loan-to-cost ratio. Support your ARV with comparable sales before you submit.
Experience and Track Record
Completed flips are your most powerful negotiating tool. Every closed deal with documented returns lowers your rate, raises your eligible LTC and expands the lender pool willing to work with you. First-time flippers are welcome, but the terms improve measurably after three to five completed projects.
Credit Score
The 620 floor is the minimum for most programs in our network. Rates and LTC programs improve at 680 and again at 720. Borrowers below 620 may still access capital through select private money sources with a lower LTV and a larger down payment. Improving your credit by even 20 to 30 points can save meaningful money over a six to twelve month hold.
Down Payment and Skin in the Game
Most fix and flip financing programs require 10% to 20% of the purchase price as a down payment. Renovation costs are funded separately through draws. A larger down payment signals commitment to the deal and often unlocks better rates. Some experienced investors qualify for 90% LTC, meaning only 10% of the purchase price is required at closing.
How to get fix and flip financing
Submit the property address, your purchase price, the estimated renovation budget and your projected after-repair value. Takes about five minutes. No credit pull at this stage.
We review the deal, calculate the ARV and LTC, and match the file to capital sources in our network that fit the project type, financing product and borrower profile. You receive a term sheet within 24 to 48 hours.
Accept the term sheet and move into underwriting. We coordinate the appraisal or broker price opinion, manage lender communication and clear conditions on your behalf so you stay focused on the deal.
Close in 7 to 14 business days. Funds are wired to escrow for the purchase. Renovation draws are released in staged disbursements as each phase of work is completed and inspected.
Sell the property and repay the loan. With each completed flip, your track record grows and your access to better fix and flip financing terms on the next deal improves.
The biggest variable in how fast your fix and flip financing closes is the completeness of your file on day one. Investors who arrive with a signed purchase contract, a detailed scope of work with contractor bids, comparable sales supporting the ARV and their entity documents ready routinely close at the fast end of the range. Files that trickle in conditions push closings past contract deadlines.
Use our fix and flip calculator or hard money loan calculator to model your deal before submitting. Knowing your numbers speeds up the matching and underwriting process.
Fix and flip financing questions
All loans facilitated by Buckle Up Capital are for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Loans are placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Ready to find the right financing for your flip?
Submit your deal and we will match it to the right fix and flip financing product from our network of capital sources. No credit pull. No commitment. Term sheet in 24 to 48 hours.