Short-term, business-purpose financing to purchase, renovate, and sell non-owner-occupied properties — with rehab funding built in.
A fix & flip loan is short-term, business-purpose financing for an investment property you plan to renovate and resell. Instead of qualifying on personal income, the deal is underwritten on the property — the purchase price, as-is value, rehab budget, after-repair value (ARV), your experience, and your exit. Rehab costs can be funded and drawn as the work gets done.
CapitalBridge Lending helps real estate investors access private lending options for fix & flip and rehab projects.
For 1–4 unit non-owner-occupied rehab projects — single-family, townhomes, and small residential.
For mixed-use, multifamily, and select commercial renovation projects.
Illustrative scenario for education — not an actual client, quote, or commitment to lend.
A rehab investor finds a dated single-family home under contract at $185,000. It needs about $55,000 of work, and comparable renovated homes sell around $320,000 (the after-repair value, or ARV).
Tying up $240,000 of their own cash in one project would drain their reserves and stop them from taking on other deals. A bank won't lend on a house that isn't livable yet.
A fix & flip loan finances a large share of the purchase and the rehab — with renovation funds released in draws as the work is completed — so the investor keeps most of their own capital in reserve.
The investor renovates on schedule, lists at the ARV, sells, repays the loan, and rolls the profit into the next project — instead of sitting on the sidelines with their cash locked up.
General ranges — actual terms depend on purchase price, as-is value, ARV, rehab budget, experience, and final underwriting.
| Item | General Range |
|---|---|
| Loan size | Program-dependent; typically mid-six-figures up to several million |
| Leverage | Purchase + rehab funding available; investor-friendly LTC, based on as-is value and ARV |
| Rehab draws | Renovation funds released in draws as work is completed & verified |
| Term | Short-term (typically ~12 months) with extension options |
| Docs | No tax returns required on most programs |
| Borrowers | First-time investors and foreign nationals welcome |
| Closing | Often achievable in ~1–2 weeks, subject to title & appraisal |
Pricing, leverage, fees, reserves, and closing timelines vary by program, borrower profile, collateral, market, property type, documentation, title, appraisal, and final underwriting. Any examples are for discussion only and are not a commitment to lend.
Typically the purchase contract, a rehab scope/budget, insurance, entity docs (if any), and ID. Most programs don't require tax returns.
Often within about one to two weeks once title is clear and the appraisal is in — sometimes faster on a clean file.
Yes — renovation funds are commonly financed and released in draws as the work is completed and verified.
Often, yes. Terms depend on the deal, the numbers, and your profile — a strong scope and exit help.
Yes — we have programs for foreign-national investors. Send us the scenario and we'll tell you what's possible.
Send us the purchase price, the rehab budget, and the ARV — we'll tell you quickly whether a fix & flip loan fits and what the next steps are.
Get Fix & Flip Terms Call (800) 555-0142