Fix &
Flip Loans
Fast funding for fix-and-flip projects. Loans from $75K–$50MM, close in under 3 weeks, fund quickly so you can focus on renovation and profit.
- Quick closings — often in under 3 weeks
- Competitive rates for experienced flippers
- Flexible loan terms and conditions
- Interest-only or full amortization options
- Fund renovation costs (or draw schedule)
- No Personal Income Verification
- Portfolio Financing Available
Built for Deal Speed
We understand flippers need capital fast. Our streamlined process gets you funded quickly so you can close deals and start renovations.
Quick Close Timeline
Submit Deal
Application + docs
Quick Review
24-48 hours
Appraisal
Property assessment
Underwriting
Final approval
Fund Deal
Under 3 weeks close
Built for the project, not the paperwork
Sized to the project
Approval is driven by the deal and its after-repair value — not your personal tax returns or W-2s. Up to 75% LTV.
From a 500 FICO
Lower credit is welcome. First-time flippers, too — we look at the project, not just the score.
Rehab funded in draws
Purchase and renovation covered together, with rehab released in stages as the work is completed.
Closes under 3 weeks
Minimal paperwork and fast underwriting so you can move on the deal. No balloon payments; 3, 8 & 30-year fixed terms.
$75K to $50MM · 40+ states
From a single flip to a large project — a commercial lender funding renovation deals across 40+ states with 25+ years of tenure.
A 500 FICO doesn't disqualify you here
Most lenders require a 620–680 minimum and stop the conversation there. We don't. Because a fix and flip loan is underwritten on the project and its after-repair value, we consider files from a 500 FICO — including flippers who've been declined by banks and conventional programs.
If the deal works and the purpose is business, your credit score is one factor, not the gatekeeper. First-time flippers are welcome.
Subject to underwriting. Credit is one factor among the project, after-repair value, LTV, and business purpose.
Financing across the flip spectrum
Fix and flip financing for a broad mix of business-purpose renovation projects. Owner-occupied commercial is eligible; primary residences are not.
Flip Property Types We Finance
Explore All Flip Opportunities
We finance specialized flip projects beyond what's shown. Get a personalized quote for your specific property and deal.
Not all investment-property loans are equal
| Feature | NCF Fix & Flip | Traditional / bank loan |
|---|---|---|
| Approval based on | The project and after-repair value — no tax returns | Personal credit and heavy cash reserves |
| Minimum credit | From a 500 FICO | Often stricter or judged case-by-case |
| Rehab funding | Renovation released in draws as work is completed | Limited or lump-sum, often out of pocket |
| Loan sizing | Up to 75% of after-repair value | Purchase price only, lower leverage |
| Speed to close | Under 3 weeks | Fast, but with steep points and fees |
| Loan size | $75K – $50MM | Often capped well below $50MM |
Fix & Flip Financing Explained
What is Fix & Flip Financing?
Fix and flip loans are short-term financing designed for real estate investors who purchase undervalued properties, renovate them, and sell for profit. Lenders evaluate based on project strength and after-repair value (ARV) rather than personal credit.
Why Choose Fix & Flip Loans?
Traditional lenders are too slow for competitive deals. Fix & flip loans close in under 3 weeks, allowing experienced investors to lock in opportunities quickly. We also offer flexibility with draw schedules for renovation funding.
Key Fix & Flip Metrics
The property value after renovations are completed — this determines max loan amount
Loan-to-value ratio: up to 75% LTV of ARV is typical for fix & flip projects
Plan to sell (wholesale, retail, or rent out) within 6-12 months
Pay only interest during flip period; principal due at sale
Frequently Asked Questions
A 98% loan approval rating
Because we underwrite the project and its after-repair value rather than your personal income — and consider files from a 500 FICO — far more applications reach a "yes" than with conventional financing. Flippers who come to NCF with a sound, business-purpose deal 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.
Ready to Fund Your Next Flip?
Get pre-approved in 24-48 hours. Fast closing, competitive rates, flexible terms designed for active flippers.