GetHardMoney.usAscend Capital LendingStart a deal ↗Acquisition and rehab capital structured around the deal, the plan, and the exit—not a one-size-fits-all box.
Financing based on the purchase, renovation scope, and after-repair value
Options for first-time and experienced investors
Purchase and renovation funds structured in one transaction
A clear exit strategy through resale or refinance
A fix-and-flip loan is short-term, business-purpose financing for purchasing and renovating an investment property that will typically be sold or refinanced after the work is complete. Approval focuses on the borrower, the project plan, the property, the renovation budget, the after-repair value, and a realistic exit strategy.
At closing, the lender generally funds the approved portion of the purchase and the investor brings the required cash contribution and closing costs. Renovation funds are typically held back and released through draws as documented work is completed. During the loan term, the investor completes the renovation, markets or stabilizes the property, and repays the loan through a sale or refinance.
Plan for the down payment or equity contribution, interest, origination points, appraisal or valuation fees, underwriting and document fees, title and settlement charges, insurance, taxes, and recording costs. Draw inspections, wire fees, extension fees, and other lender charges may also apply. Your budget should separately account for renovation overruns, utilities, maintenance, property taxes, insurance, and selling or refinance costs while you hold the property.
Financing can preserve liquidity for renovations, reserves, and unexpected problems instead of concentrating most of your capital in one property. It may also let you pursue more than one opportunity, move quickly, and increase your return on the cash you invest. The tradeoff is the cost and risk of leverage, so the projected profit, timeline, contingency funds, and exit strategy should comfortably support the debt.
Loan structures, advance rates, pricing, draw procedures, and fees vary by lender and by deal. We compare the complete structure—not merely the headline rate—to help identify the option that best fits the opportunity.
Share the property, scope, experience, timing, and exit strategy. We’ll help identify the clearest path forward.