How fast can I close a fix and flip loan?

Closings can happen quickly when the file is complete. Speed depends on having the purchase contract, scope of work, budget, entity/borrower details, and title information ready for underwriting.

Fix-And-Flip Loans for Real Estate Investors

Q: How much can I borrow for purchase and rehab?

Loan amounts are typically structured around your purchase price, rehab budget, and the property’s after-repair value (ARV). Depending on the deal, you may qualify for high leverage on purchase and up to full rehab funding through a draw process.

Q: How do rehab draws work?

Rehab funds are released in stages (draws) as renovation work is completed. You submit a draw request, an inspection confirms progress, and funds are disbursed so you can pay contractors and materials vendors.

Q: Do I need experience to qualify?

Experience can improve leverage and pricing, but many lenders will consider newer investors depending on the deal quality, budget, contractor support, and overall borrower profile.

Get fast fix and flip loans for real estate investors designed to fund your purchase, renovation, and refinance in one streamlined financing solution. Our short-term bridge loans for 1-4 units, multifamily, and mixed-use flips can finance the acquisition and rehab of value-add properties, helping investors renovate, increase property value, and resell for profit. Close quickly, access flexible leverage, and fund renovation draws throughout the project.

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Higher Leverage

Maximize your deal flow with industry-leading LTVs and flexible structures.

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Competitive Rates

Rates structured around leverage and experience - built for serious investors.

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Faster Closings

Close in as little as 2 weeks with streamlined underwriting and rapid rehab draws.

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95% of Purchase

With fix-and-flips, your returns increase dramatically when you put less cash down. We go up to 95% of your purchase price so you can flip more houses.

100% of Rehab

We finance up to 100% of your repair costs on your fixer upper, if needed. With fix-and-flip, this allows real estate operators like you to multiply your deals.

Flexible Options

Our 1-year term with no prepayment penalty can be extended. If a project is complex, we can structure it as 18 months. The average flipper pays off in 7 months.

No Prepayment Penalties

We generally have no prepayment penalties for our 1-year fix-and-flip bridge loans. This is to incentivize you to rehab more properties!

Low Credit. 75% Cashout

Our minimum credit score for flippers is 600, because we focus mainly on asset-based lending solutions. No more worrying about your credit.

Experience Friendly

Flippers & rehabbers with more experience get the best rates, but we lend to investors with no experience all the time, with the most competitive rates in the market.

Fix & Flip Loans Built for Real Estate Investors

ICG10 Capital provides fix and flip financing designed for fast closings and efficient rehab funding. Finance purchase, renovation, and even refinance scenarios with a draw process built to keep your project moving.

When Fix & Flip Financing Makes Sense

Purchase + Rehab: Acquire a value-add property and fund renovations.
Delayed Financing: Bought with cash and want to finance to recapture capital.
Refinance + Rehab: Refi an existing property and fund remaining improvements.
Value-Add Reposition: Updates that increase ARV and improve resale outcomes.
Fast Closings: Tight timelines where certainty of execution matters.

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How Fix & Flip Funding Works (Simple + Clear)

Apply with deal details

Share the address, purchase contract, budget/scope, and timeline.

Get preliminary terms

Terms are structured around purchase, rehab, ARV, and experience.

Close quickly

Finalize underwriting, close, and start renovations with confidence.

Rehab draws as work is completed

Request draws, verify progress, and keep contractors moving.

Bridge Rental / DSCR Construction

Need fix & flip terms fast?

Apply in 1 minute and get a quick review from our team.

Start Application Call 954.798.0726

Fix & Flip Loan FAQs

Quick answers to common questions investors ask about fix and flip loans, rehab draws, leverage, and timelines.

What is a fix and flip loan?

A fix and flip loan is short-term financing designed to help investors purchase and renovate a property, then sell or refinance. These loans often include funding for purchase and rehab, with rehab funds released through draws as work is completed.

How much can I borrow for purchase and rehab?

We go up to 95% of purchase + 100% of rehab. Loan amounts are typically based on your purchase price, rehab budget, and the property's after-repair value (ARV). High leverage and up to full rehab funding may be available depending on the deal and borrower profile.

How do rehab draws work?

Rehab funds are disbursed in stages (draws). You request a draw, an inspection confirms completed work, and funds are released so you can pay contractors and suppliers while the project progresses.

How fast can I close?

2-3 weeks to close. Closings can move quickly once the file is complete. Speed is best when you have the purchase contract, scope of work/budget, entity and borrower details, and title information ready for underwriting.

Do I need experience to qualify?

Experience can improve pricing and leverage, but newer investors still qualify depending on the deal quality, budget accuracy, contractor support, and overall borrower profile.

What property types can I flip?

We focus on lending for SFRs, luxury homes, 1-4 units, mixed-use, and multi-family projects.

What terms are common for fix and flip loans?

Fix and flip loans are commonly structured as short-term loans (often around 12 months), with extensions possible depending on the project timeline and progress. An initial loan is given for the purchase or refinance up to 95% LTV, and then we lend 100% of the rehab as draws.

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