Fix & Flip Financing

High-Leverage, Low-Cost Private Money Financing
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Fix & Flip Loan Program

Our Fix & Flip Closed-End Loans and Lines of Credit offer experienced investors high-leverage financing for the acquisition and renovation of residential projects.

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Fix & Flip

  • Up to 90% LTV of acquisition cost
  • 7.25% to 11.00% interest-only
  • Lower rates at lower LTV
  • 6–12 month terms
  • Quick closing (3–14 days)
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Fix & Flip + Rehab Funding

  • Up 85% purchase + 100% rehab
  • 85% | 85% — most common structure
  • Up to 70% of After Repair Value (ARV)
  • 7.50% to 11.50% interest-only
  • Flexible rehab draw schedule
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Revolving Line of Credit

  • Open-ended line of credit
  • $500,000 to $10 million lines
  • 80% of appraised value per property
  • Rates from 7.25% and up
  • Get access to funds within a few days

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.