Fix and Flip Loans
Fuel Your Fix and Flips in 5 Days
Turn projects into profits with reliable fix and flip financing covering both the short-term purchase and total repair costs.
Close in as little as 5 days
Desktop appraisal available for faster funding
Expedited draws submitted straight from your phone
Maximum leverage for purchase and repairs
Discover the Benefits of Fix and Flip Financing
Fix and Flip Loans are designed for real estate investors looking to purchase, renovate, and resell properties within 12 months for a profit. With full rehab costs covered, minimal paperwork, and flexible terms, our Fix and Flip Loans empower investors to move quickly and capitalize on market opportunities to grow their portfolios.
Your Fix and Flip Loan, Simplified
5-Day Funding. Virtual Draw Process. Flip With Confidence
12-Month
Interest Only
Up to
92.5% LTC
100% Financing
on Rehab Costs
No Interest on
Undrawn Rehab Funds
Up to $3M
Loan Size
No
Prepayment
Penalty
Analyze a Property & Get a Quote
Run ARV and DSCR calculations with estimated rental ranges, holding costs, and financing options tailored to real estate investors.
Run a cash flow analysis
$90,500,000
Scattered Site, FL,GA,NC,AZ,CO
Fix and Flip Loans for Every Strategy
Tailored loans designed with investors in mind, so you have the capital to invest with confidence.
Speak With a Loan Advisor
Scalable Fix and Flip Solutions for Every Investor
Early-Stage Investors
Obtaining financing for your early-stage fix and flip projects shouldn’t be challenging. We make it simple for investors to fund their projects with reliable financing, quick closings, and a dedicated team to support you every step of the way, so you can close with confidence.
Experienced Investors
When you’re ready to scale your fix and flip projects, you need a lender that can keep up with your needs. We work with experienced investors every day by offering high leverage, competitive rates, streamlined draws, and flexible financing designed to keep your projects moving.
Portfolio Investors
For highly experienced fix and flip investors managing multiple projects across markets, we provide lines of credit to give you pre-approved access to capital on future bridge deals. With tailored financing options, our loans are designed for active investors looking for speed, efficiency, and access to a stable source of capital.
LendingOne vs.
Traditional Lenders
| Feature | Fix and Flip Loan | Traditional Financing |
|---|---|---|
| Loan Purpose | Designed for flippers | Not tailored for short-term investments |
| Closing Time | Faster closings (7-10 Business Days) | Slower, subject to stricter regulations (close in weeks) |
| Leverage | Up to 92.5% LTC / 100% Financing Rehab Costs | Typically lower leverage options |
| Draw Process | Virtual draws available for same-day draws | Manual and slower |
| Loan Flexibility | Customized terms based on property details | Rigid terms and guidelines |
| Loan Terms | 12-24 Months Standard | Often longer terms not suitable for flippers |
| Documents | Minimal documents required, no W2s or Income Verification | Full docs: W2s, tax returns, income verification |
Earned 14K profit on a tax-sale deal after a 14-month title delay
Grew portfolio to four properties between 2020-2025 with LendingOne financing.
Overcame tenant default issues, improving rent stability and cash flow.
Testimonials
Recently Funded Fix and Flip Deals
Location
Knoxville , TN
Location
Knoxville , TN
Location
Atlanta , GA
Location
Montgomery , AL
Location
Fort Worth , TX
Location
Raleigh , NC
Location
St. Louis , MO
Location
Norwich , CT
Location
Cleveland , OH
Frequently Asked Questions
LendingOne provides Fix and Flip loans for single-family residences, 2-4 unit properties, condominiums, and townhouses. By focusing exclusively on non-owner-occupied properties, we ensure financing aligns with the needs of active investors growing and diversifying their portfolios.
No. LendingOne does not require W-2s or tax returns for Fix and Flip loans. Qualification is based on the property’s potential after-repair value and project scope, making approvals faster and more flexible for active investors.
No. Our Fix and Flip loans come with no prepayment penalty. This flexibility allows investors to exit a deal whenever it makes sense, whether through sale or refinance, without unnecessary additional costs.
We offer loans ranging from $100,000 to $3,000,000. This wide range allows investors to finance smaller cosmetic rehabs as well as large-scale renovation projects while maintaining flexibility across different deal sizes and strategies.
LendingOne provides up to 92.5% loan-to-cost and covers 100% of rehab costs. This high leverage structure is designed to maximize investor capital efficiency while keeping renovation projects moving on schedule.
Closings can be completed in as little as 10 business days, depending on property type, appraisal timing, and documentation. Our streamlined underwriting and draw process allow investors to act quickly in competitive markets.
Yes. LendingOne offers refinancing options, including discounts through our Fix to Rent program. This lets investors stabilize a property post-renovation and convert it into long-term rental financing to maximize returns.
Specialized flip lenders typically close in a few days to weeks and release draws as milestones are completed. This reduces holding time and accelerates project execution, improving annualized ROI compared to slower, documentation-heavy bank financing.
Flip lenders assess experience, contractor capacity, budget realism, and exit strategy. They also evaluate liquidity, reserves, and property-specific risks such as title, zoning, and insurance to ensure the project can be completed successfully and profitably.
Analyze a Deal and Get a Rate Quote
Run ARV and DSCR calculations, estimate rental income and holding costs, and view financing options tailored to real estate investors.