Fix and Flip Loans
The swift and respectful banking alternative for renovation-based investment projects
What Is a Fix and Flip Loan
A fix and flip loan is a short term financing solution designed specifically for investors who purchase properties, renovate them, and resell them for profit. These loans cover both the cost of the acquisition and the renovation, allowing you to move quickly on undervalued and distressed properties that need work.
At Essential Capital TW, we support investors at every experience level by offering fast, clear, and reliable financing for renovation-based deals. If you need a loan that keeps pace with the market and respects your project timeline, this is it.
What Is a Fix and Flip Loan
Why Investors Use Fix and Flip Loans
Fix and flip loans exist for one purpose. To give you the capital and speed you need to take a property from distressed to market-ready without waiting on slow bank processes.
Key benefits include:
Fast approvals and closings so you can secure competitive deals
Financing for both purchase and renovation costs
Interest only payments during the project
Loan amounts based on After Repair Value (ARV)
Structured to match your timeline and exit plan
Clear, respectful communication throughout the process
This loan gives investors a real advantage in markets where speed matters and opportunities move quickly.
How Fix and Flip Loans Work
These loans are built around the project itself. Lenders focus heavily on the estimated After Repair Value (ARV), which represents what the property will be worth after renovations are complete.
Your loan amount is determined using factors such as:
The property’s purchase price
The renovation budget
The ARV based on a professional or market-based valuation
Your experience level (helpful, but not mandatory)
Fix and flip financing typically includes:
Short term durations (usually 12 to 18 months)
Interest only payments during the renovation
Full repayment at the sale of the finished property
Quick disbursements for renovation draws
This structure allows you to focus on completing the project and bringing the property to market without heavy monthly obligations.
Common Uses for Fix and Flip Financing
Fix and flip loans are ideal for investors who work with:
Distressed properties
Auction or foreclosure purchases
Off-market deals
Cosmetic or full rehabilitation projects
Larger renovations that require capital beyond the purchase price
Strategies built around quick resale and strong returns
Whether you’re completing light updates or undertaking a full transformation, this loan gives you the financial backing to execute your vision.
Investor-Friendly Terms and Options
Essential Capital TW connects you with lenders who specialize in renovation-driven funding. You can expect:
Clear project-based evaluations
Flexible draw schedules aligned with your budget
Competitive ARV-based loan amounts
Interest only payment structures to support cash flow
Funding options for first-time and experienced flippers
Support for LLCs and investment entities
Quick communication and guidance
We help you understand your numbers, compare your options, and choose the structure that makes the most sense for your project timeline.
Why Work With Essential Capital TW
Investors choose us because we take pride in being direct, responsive, and respectful at every step. Private lending does not have to feel complicated or overwhelming. We communicate clearly, set expectations up front, and help you understand exactly what you need to close your deal quickly.
You will always receive:
Honest timelines
Transparent communication
Straightforward requirements
Support that respects your time and investment goals
We understand that speed matters. Respect matters. Trust matters. And we operate with all three.
Is a Fix and Flip Loan Right for You
This loan may be the ideal fit if you:
Are purchasing a property that needs repairs or updates
Want to finance both the acquisition and the renovation
Prefer interest only payments during the project
Are planning a resale as your exit strategy
Need a fast, responsive underwriting process
Want loan terms built around your project schedule
If you work with distressed properties or value-add flips, this loan is built for your investment style.
Ready to Move Forward
If you have a flip in mind or want to explore your financing options, Essential Capital TW is here to help you move forward with confidence. Even if you are early in the planning stage, a quick conversation can help you understand what you qualify for and how to prepare your project for funding.