Fix & Flip Loans | FundNow Capital

Flip Smart. Profit Fast. Repeat Often. Start Now.

At FundNow Capital, we know that speed and flexibility are essential for real estate investors looking to profit from fix and flip projects. Our Fix and Flip Loans are designed specifically for investors who need quick, reliable funding to purchase, renovate, and resell or refinance properties. With competitive terms and fast approvals, we ensure you have the capital to seize opportunities, complete renovations, and maximize your returns—all without the delays of traditional lending.

With deep expertise in private lending and real estate investment,

FundNow Capital is your trusted partner in turning distressed properties into profitable investments. Let us provide the financing you need to flip your next property with confidence.

Loan Amount	Up to $3 Million
Rehab Financing	Up To 100%
Loan To ARV	Up to 75%
Loan To Cost	Up to 93%
Draw Management	24 Hour Turnaround With Digital Draw Inspections
Property Types	SFR 1–4 Units, PUD, Condo, Non-Warrantable Condo
Term	12–18 Months Interest Only (Ask About 1 Close Build To Rent)
0 Point Option?	Available
Deferred Point Option?	Available
Pre-Payment Penalty?	None
First Time Investors	Welcome
Closing Timeline	10 Days Or Less

Real estate investing—particularly in the fix-and-flip space—has become an increasingly popular and profitable strategy for investors ready to renovate and resell properties or refinance them into rentals. One of the most crucial components of any fix-and-flip venture is securing the right financing. Enter the Fix and Flip Loan: a specialized financing tool that provides the capital needed to acquire, renovate, and exit properties quickly.

This guide explores everything you need to know about fix and flip loans—how they differ from conventional financing, why they’re preferred by experienced investors, key loan terms, and how to select the best lending partner for your needs. We'll also examine relevant market data that highlights the profit potential of fix-and-flip investing.

What Is a Fix and Flip Loan?

A fix and flip loan is short-term financing tailored for real estate investors purchasing undervalued or distressed properties with plans to renovate and sell them for a profit. These loans are designed for speed and flexibility—often covering both acquisition and renovation costs—and typically have terms ranging from 6 to 18 months.

Fix and flip loans are ideal for properties that wouldn’t qualify for traditional mortgages due to condition. Once the investor sells or refinances the improved property, the loan is repaid, ideally yielding a solid return.

The Fix and Flip Market in Numbers

Fix-and-flip investing continues to perform strongly across the U.S. According to ATTOM Data Solutions, 8.4% of all home sales in 2021 were flips, with an average gross profit of $65,000. In Q1 2023, gross profits averaged $56,000 per flip, and 6.3% of U.S. home sales were part of fix-and-flip projects. Though ROI can vary by market, fix and flip remains a high-potential strategy for active investors.

How Fix and Flip Loans Differ from Conventional Loans

1. Loan Term

Traditional mortgages span 15–30 years. Fix and flip loans are short-term—typically 6–18 months—designed to match the investor’s timeline to renovate and exit.

2. Qualification Criteria

Conventional loans depend heavily on credit scores and personal income. Fix and flip loans emphasize the property's potential value after renovation (ARV) and the investor’s experience.

3. Speed of Funding

Where bank mortgages can take months, fix and flip loans from FundNow Capital are often approved and funded in under two weeks—ideal for seizing time-sensitive opportunities.

4. Loan Structure

Fix and flip loans finance both the purchase and rehab. Conventional loans usually only cover purchase and require separate funding for renovations.

5. Interest Rates

Rates are higher (8–14%) than conventional mortgages due to the short term and elevated risk, but this is offset by faster ROI potential.

6. Down Payments

Typically 10–25%, based on LTV and project scope. FundNow Capital works with investors to create competitive structures based on experience and asset potential.

Why Investors Choose Fix and Flip Loans

- Fast, Flexible Funding

In competitive markets, speed is crucial. FundNow Capital helps investors move quickly, often closing in days.

- Less Focus on Credit

Fix and flip loans are more lenient with credit scores, instead focusing on the property’s value and the investor’s plan.

- High Profit Potential

With the ability to buy low, renovate efficiently, and sell high, these loans help investors realize substantial ROI.

- Custom Loan Terms

Options like interest-only payments during renovation and deferred repayment help preserve working capital during the flip.

Key Fix and Flip Loan Terms to Understand

- Loan-to-Value (LTV)

Most lenders offer 65–85% LTV. This determines how much you can borrow based on current property value or purchase price.

- After-Repair Value (ARV)

Loans are often based on a percentage of ARV—typically 65–75%. This helps finance properties that will increase significantly in value post-renovation.

- Loan-to-Cost (LTC)

This measures how much of your total project cost (purchase + rehab) will be financed. FundNow Capital typically offers up to 90% LTC.

- Interest Rates & Fees

Expect 8–14% interest rates, plus points or origination fees. FundNow Capital ensures full transparency so you know your total cost upfront.

- Loan Term

Short-term loans (6–18 months) designed for quick turnaround. Extensions may be available if needed.

- Down Payment

Generally 10–25%, depending on experience, project scope, and property value. Lower down payments may be available for seasoned investors.

Choosing the Right Fix and Flip Lender

1. Industry Expertise

Choose a lending partner like FundNow Capital with deep experience in real estate investment financing and a network of Lenders, Our team understands the fast-moving nature of fix-and-flip projects.

2. Speed

FundNow Capital specializes in fast closings, ensuring you don’t miss out on investment opportunities due to slow funding.

3. Flexible Terms

We offer loan options tailored to your project—including interest-only periods, deferred payments, and creative capital structures.

4. Transparent Costs

No hidden fees. FundNow Capital outlines all loan terms, costs, and fees upfront—so you can budget and execute with confidence.

5. Proven Reputation

Our clients count on us for reliability, quick funding, and responsive service. Read testimonials and case studies that speak to our performance.

6. Access to Scalable Capital

As your business grows, FundNow Capital grows with you. We provide funding for multiple or larger projects and offer long-term capital sources you can count on—even when markets shift.

Final Thoughts

Fix and flip loans offer real estate investors a flexible, fast, and profitable way to acquire, renovate, and resell properties. Compared to traditional financing, they provide key advantages like quicker access to capital, simplified qualifications, and funding tailored to your project’s timeline.

At FundNow Capital, we partner with you to provide the funding you need to move fast, reduce risk, and maximize returns. Whether you're a first-time investor or a seasoned flipper, our fix and flip loan solutions are designed to support your success at every stage of the project.

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Fix And Flip Loans For Real Estate Investors Of All Experience Levels