Rehab, Fix & Flip Loans

Revitalize & Reposition Your Property

Our commercial rehab and fix‑and‑flip loans provide short‑term capital to purchase and renovate properties that need work. Whether you’re repositioning a tired retail strip, upgrading a multifamily asset or converting a warehouse into creative office space, this program gives you the funds to close quickly and complete renovations without draining your cash reserves.

These loans are ideal for investors and developers with a clear exit strategy — either refinancing into permanent debt or selling the improved property for a profit. With leverage based on after‑repair value, you can finance both the purchase price and 100% of the rehab budget, drawing funds as work is completed.

Program Details

Maximum ARV: Up to 75% of after‑repair value
Maximum LTC: Up to 85% of total project cost
Construction Draws: 100% of approved build budget funded via draws
Credit Requirements: Minimum FICO 650
Loan Amounts: $150k+
Experience: Prior construction or rehab experience preferred
Occupancy: Owner‑occupied residential developments, investment properties, commercial owner‑user
Liquidity: Minimum 10% of project budget plus six months of interest reserves
Builder Approval: General contractor must be approved by lender
Rates: Starting at Prime + 2%; actual terms depend on borrower profile and project scope

Ready to Transform Your Next Project?

Let us help you acquire and renovate your next commercial investment. Contact our team to discuss your rehab goals and get a tailored financing proposal.

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