What services does FundNow Capital offer?

FundNow Capital offers business funding, real estate investor financing (fix-and-flip, DSCR, bridge, commercial), working capital, equipment financing, lines of credit, merchant cash advances, tax preparation services, business credit building, and MCA debt relief — serving nearly every legal industry nationwide.

What is a fix and flip loan?

A fix and flip loan is short-term financing (typically 6–18 months) used by real estate investors to purchase, renovate, and resell a property for profit. Loans cover both the acquisition cost and 100% of rehab costs, with interest-only payments during the construction period.

How does a fix and flip loan work?

FundNow Capital funds up to 90% of the purchase price plus 100% of rehab costs (capped at 75% of the After-Repair Value/ARV). You make interest-only payments during the project, draw rehab funds in stages as work is completed, then pay off the loan when you sell or refinance.

What are fix and flip loans for beginners?

First-time flippers can qualify with FundNow Capital with as few as 0 prior flips. Beginner programs require a 660+ FICO, 15–20% down (vs. 10% for experienced flippers), and a licensed general contractor on the project. We also offer mentorship pairing for new investors.

Are fix and flip loans commercial loans?

Yes — fix and flip loans are business-purpose loans, not consumer mortgages. They're not subject to TRID/Dodd-Frank consumer regulations, which is why they close in 7–14 days instead of 30–45. Property must be non-owner-occupied investment real estate.

How to get a fix and flip loan?

Apply online in 3 minutes. We need: property address, purchase price, rehab budget, ARV, exit strategy, and your investor experience (prior flips). Funding decisions within 24 hours; closings in 7–14 days. No tax returns or W-2s required.

How to qualify for a fix and flip loan?

Standard requirements: 620+ FICO (660+ for beginners), 10–20% down payment, a deal with at least 70% LTARV (After-Repair Value), proof of liquid reserves (typically 6 months of interest payments), and a clear exit strategy (sale or DSCR refinance).

How do fix and flip loans work for LLCs?

Fix and flip loans are designed to close in LLCs and entities — we actually prefer it. The LLC is the borrower, you sign a personal guarantee, and the loan does not report to your personal credit. This protects your DTI for other financing and shields personal assets.

What do fix and flip loans cover?

Up to 90% of the property purchase price + 100% of the rehab budget (financed in draws as work completes). Most lender fees, title costs, and a portion of closing costs can also be financed. You bring the down payment, closing reserves, and any contingency budget.

How much do fix and flip loans cost?

Rates typically range from 9.99% to 12.5% interest-only, with 1.5–3 points origination. Total cost of capital on a 6-month flip averages 6–8% of loan amount. We always quote APR plus a full closing-cost worksheet — no hidden junk fees.

Do fix and flip loans report to credit?

When closed in an LLC (recommended), no — they do not report to personal credit bureaus. When closed in your personal name, they report as a mortgage tradeline. Most experienced investors use LLCs specifically to keep their personal credit clean for additional acquisitions.

How fast can I close a fix and flip loan?

Standard close is 7–14 business days from application to funding, assuming clear title and a completed appraisal. We have closed deals in as few as 5 days for repeat borrowers with title and insurance ready to go.

What is the minimum credit score for a fix and flip loan?

620 FICO for experienced flippers (3+ completed projects), 660 FICO for beginners. Scores below 620 can be considered with strong reserves, larger down payment (25%+), or experienced co-borrower.

Do I need experience to get a fix and flip loan?

No — but experience improves your terms. First-time flippers can qualify with FundNow Capital, just at slightly higher down payment requirements (15–20% vs. 10% for experienced) and a licensed GC requirement. After 2–3 successful flips, you unlock our best pricing.

Can I get a fix and flip loan with no money down?

Not 100% — every reputable lender requires skin in the game. However, we can structure deals with as little as 10% down (for experienced flippers on strong deals) and finance 100% of the rehab budget. Gap funding and JV partners can cover the down payment if your deal is strong enough.

How do I compare fix and flip loan options?

Compare four numbers: (1) interest rate, (2) origination points, (3) loan-to-cost (LTC) and loan-to-ARV (LTARV), and (4) draw process speed. The cheapest rate isn't always the best deal — a 10% rate with fast 24-hour draws beats a 9% rate with 10-day draw turnarounds on a 6-month project.

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Backed with confidence by one of the nation's largest direct lenders for fix and flip loans.

Fix and Flip
Loans

•Competitive Rates
•Up to 90% of Purchase Price
•Up to 100% Rehab Costs
•12-Month Interest Only (No Prepayment Penalty)
•No Interest on Unused Rehab Funds

Speak with a Loan Advisor

Special Offer

We Waive the 0.5% Processing Fee

Most investor par rates are around 2%, and that often includes a 0.5% processing fee based on the loan amount. FundNow Capital waives that fee for qualified borrowers so you can move faster, lower your upfront cost, and get your loan done without the usual runaround.

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Customer Testimonials

"Working with FundNow Capital was absolutely the best lending experience I have had so far as a real estate investor. They kept me up to date on every detail of my loan and the process and because of that we closed quickly and with zero issues. I will absolutely be doing business with FundNow again."

"What can I say? The fastest closing I've ever had on an investment property. They were ready in less than 14 days. Everything was seamless, efficient and spelled out. FundNow Capital is a breath of fresh air. This is the beginning of a beautiful relationship."

"My FundNow Capital team has consistently out-performed the other investment lending providers to date. My team works overtime to make sure my closing experience is second to none. They not only keep me informed on a daily basis when needed, but provide input on the ever changing market place."

Funding for Fix and Flips—Fast and Easy

We understand how challenging it can be for investors to secure quick financing for both the purchase and renovation of an investment property. Our Fix and Flip Loans provide the solution—covering 100% of the property's rehab costs to help you maximize your profits.

Benefits of Fix and Flip Loans

Our Fix and Flip Loans require minimal paperwork and are less stringent compared to traditional banks, saving investors valuable time and effort. With our flexible loan terms and swift approval process, investors can quickly capitalize on market opportunities and scale their businesses.

Product Highlights

These key benefits are designed to fuel your fix and flip investments and accelerate your profitability:

●Up to 92.5% LTC and 100% of rehab funds
●Expedited appraisals
●No interest charged on undrawn rehab funds
●12-month interest only loans available with no prepayment penalties

● Funded nearly $500M in loans

● Over 5 years in business

● Operating in 36 states

Fast Access to Capital

We have a streamlined approval process, so investors can close quickly and scale faster.

More Flexible Terms

We prioritize a property's after-repair value, allowing more flexibility in loan terms, credit requirements, and leverage options.

Better Than a Bank

Unlike with traditional banks, we don't require income verification, tax returns, or W-2s, simplifying the process.

Featured Deals

From Airbnb to long-term rentals — real investment properties that close.

$345,000

Nashville, TN | Short-Term Rental | Airbnb

$285,000

Indianapolis, IN | Long-Term Rental | Single Family

$520,000

Atlanta, GA | Downtown Condo | City Investment

$410,000

Kansas City, MO | Multi-Family | Duplex

$895,000

Charleston, SC | Vacation Rental | Beach Airbnb

$475,000

Baltimore, MD | Fix & Flip | Renovated Townhouse

$625,000

Denver, CO | Vacation Rental | Mountain Cabin

$1,250,000

Dallas, TX | Multi-Unit | Luxury Apartments

$395,000

Phoenix, AZ | Long-Term Rental | Mid-Century Home

$335,000

Cleveland, OH | Short-Term Rental | Industrial Loft

Ready to Get Started?

We're here to support you every step of the way. Let's work together to achieve your goals.

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