ARV
Loans
Borrow against after-repair value. Finance your fix & flip, value-add, or renovation project with up to 75% LTV loans from $75K–$50MM, closing in under 3 weeks.
- Loan based on after-repair value (ARV), not current condition
- Fast underwriting — close in under 3 weeks
- Interest-only payment options available
- Flexible terms tailored to project timeline
- No prepayment penalties
- Experience with fix & flip and value-add projects
- All property types and markets
Fast Underwriting for Active Investors
We understand fix & flip investors move fast. Our streamlined ARV underwriting gets you approved quickly so you can close deals and start renovations.
Under 3-Week Closing Process
Submit Deal
Upload docs
ARV Review
Evaluate property
Approval
Clear terms
Title & Closing
Finalize docs
Fund Deal
Get capital fast
Built for value-add investors, not the credit bureau
Qualify on after-repair value
Approval is built around the property’s value after renovations and the strength of the deal — not your personal tax returns or W-2s.
From a 500 FICO
Lower credit is welcome. First-time investors, too — we look at the project, not just the score.
$75K to $50MM
From a single value-add flip to a large renovation project — up to 75% LTV.
Closes under 3 weeks
Minimal paperwork and fast underwriting. No balloon payments; 3, 8 & 30-year fixed terms.
40+ states, 25+ years
A commercial lender with real tenure — funding renovation and value-add real estate across 40+ states.
A 500 FICO doesn't disqualify you here
Most lenders require a 620–680 minimum and stop the conversation there. We don’t. Because an ARV loan is built around the property’s after-repair value and the deal itself, we consider files from a 500 FICO — including investors who’ve been declined by banks and conventional programs.
If the numbers on the project work and the purpose is business, your credit score is one factor, not the gatekeeper. First-time investors are welcome.
Subject to underwriting. Credit is one factor among the after-repair value, LTV, and business purpose.
Financing across the value-add spectrum
ARV financing for a broad mix of business-purpose property — from single-family flips to multifamily and commercial value-add. Owner-occupied commercial is eligible; primary residences are not.
Property Types We Finance
Ready to Fund Your Next Deal?
We finance all property types across multiple markets. Get your ARV quote in minutes and close in under 3 weeks.
Not all investment-property loans are equal
| Feature | NCF ARV Loan | Traditional / bank loan |
|---|---|---|
| Approval based on | After-repair value & the deal — no tax returns | Current condition & personal income |
| Minimum credit | From a 500 FICO | Typically 620–680+ |
| Loan size | $75K – $50MM | Often capped around $1–3MM |
| Speed to close | Under 3 weeks | Weeks to months |
| Paperwork | Minimal — no W-2s or tax returns | Extensive documentation |
| First-time investors | Welcome | Often restricted |
Understanding ARV Financing
What is an ARV Loan?
An After-Repair Value (ARV) loan is a short-term financing solution based on a property's estimated value after renovations are completed. Instead of qualifying based on current condition or traditional income, ARV loans focus on the property's post-improvement market value and your renovation plan.
Why Choose ARV?
ARV financing maximizes your borrowing power based on potential value, not current condition. With interest-only options, fast closings (under 3 weeks), and no prepayment penalties, ARV loans give you the capital and flexibility to execute your investment strategy at scale.
Key ARV Metrics
Borrow against after-repair value with conservative, flat-rate leverage
Loan sizes from small single-family flips to large value-add projects
Streamlined ARV underwriting from application to closing
Preserve capital during renovation — pay interest only during hold
Frequently Asked Questions
A 98% loan approval rating
Because we underwrite the after-repair value and the deal rather than your personal income — and consider files from a 500 FICO — far more applications reach a "yes" than with conventional financing. Investors who bring NCF a business-purpose project with a solid renovation plan get approved at a rate banks can’t match.
Fast review, minimal paperwork, and a real answer — often within minutes of your first submission.
98% loan approval rating reflects historical performance; subject to underwriting and not guaranteed.
Fund Your Next Deal Today
Get approved for an ARV loan in minutes. Close in under 3 weeks. Scale your investment portfolio.
Secure • No obligation • Same-day response on weekdays