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Fix & Flip Loans

Buy. Rehab.
Profit Fast.

Fast capital for acquisitions and renovations. CBiz Capital structures fix & flip financing around your deal timeline, project scope, and exit strategy — so you can move when opportunity knocks.

Fast Closings Rehab Draws Available
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Sample Flip Scenario

Acquisition & Rehab

Purchase Price$210,000
Rehab Budget$65,000
After Repair Value (ARV)$385,000
LTC (Loan-to-Cost)Up to 85%

In certain cases, we can go up to 92% LTC on rehab projects.

Estimated Gross Profit
$110K+
Deal
Funded

Illustrative example. Submit your scenario for actual terms.

7–14 DaysTo Close
Up to 85%Loan-to-Cost
12–18 MoLoan Terms
24 hrsTerm Feedback
Rehab Financing

Capital That Moves as Fast as You Do

Traditional lenders can't keep up with active investors. CBiz Capital structures fix & flip loans around your purchase timeline and renovation plan — from acquisition to final draw.

Review My Deal →

Best For

Active flippers and rehab investors

  • Single-family acquisitions and rehabs
  • Distressed property purchases
  • Value-add renovations for resale
  • Experienced and first-time flippers
  • Wholesale-to-flip transitions
  • Multi-unit rehab projects
Benefits

Built for Serious Flippers

Fix & flip financing structured to match the pace, scope, and economics of active real estate investors.

Fast Capital Access

Close in days, not weeks. Speed is your edge — we make sure financing isn't the bottleneck.

Rehab Draw Schedule

Access renovation funds in draws as work is completed. Capital released when you need it.

ARV-Based Lending

Qualify on the after-repair value — not just current purchase price — to maximize your buying power.

Interest-Only Payments

Preserve cash flow during the rehab with interest-only payment structures on short-term loans.

No Prepayment Penalty

Sell faster, pay off early. Many programs carry no prepayment penalty on short-term flip loans.

Experienced or First-Time

Whether you've done 50 flips or your first, we'll find a structure that works for your track record.

Process

From Contract to Close — Fast

A clear, investor-friendly process designed to get you funded before the deal slips.

Submit the Deal

Share the address, purchase price, rehab scope, and your ARV estimate.

Get Term Sheet

We review and respond with financing terms within 24 hours. No guesswork.

Close & Fund

Move to close quickly. Funds released for acquisition at closing.

Draw & Sell

Pull rehab draws as work is done. Sell at top dollar and pay off the loan.

Loan Parameters

General Requirements

Typical fix & flip loan parameters. Every deal is unique — submit yours for a specific review.

Loan Amounts

$75K – $2.5M

SFR, 2–4 units, small multifamily

Loan-to-Cost

Up to 85% LTC

Based on total project cost

Loan-to-ARV

Up to 70% ARV

After-repair value underwriting

Loan Term

12 – 18 Months

Extensions available in some cases

Credit Score

620+ Minimum

Better pricing at 680+

Experience

All Levels

First-time flippers considered

Insurance Referral

Need Builders Risk Insurance?

Fix & flip and ground-up construction projects typically require builders risk coverage before closing. Most experienced investors already have an insurance provider — but if you need one, we can refer you to an insurer we work with.

CBiz Capital has no affiliation with the insurance provider and does not earn a fee from referrals. We're simply making the connection.

Get Insurance Info →
Start Here

Have a Flip Under Contract?

Submit your deal and get financing terms within 24 hours. Move fast.

Apply Now →