Loan Overview
Fix & Flip
Fix and Flip Financing That’s Fast, Flexible, and Built Around You
In the fast-paced world of fix-and-flip investing, timing is everything. That’s why our Fix and Flip loan programs are built for speed, scalability, and simplicity—giving you the capital you need to close quickly, minimize out-of-pocket expenses, and grow your real estate business with confidence.
9 – 12 Months + Extension
Loan Amount
$100k to $5M
LTC
Up to 92.5%
Cost Breakdown
Up to 90% of Purchase & 100% of Rehab
Property Types
- Non-Owner Occupied
- Single Family Residential
- Condo 1–4 Units
- Townhome 1–4 Units
- ADU Conversions Okay
Our Lending Process
Streamlined Steps to Secure Fast Funding
At Equity Backers, we’ve designed our lending process to be efficient and straightforward. From your initial inquiry to securing funding, we focus on providing a seamless experience that minimizes delays and maximizes convenience. Our team works quickly to evaluate your needs, customize a loan solution, and get the capital you need as fast as possible. Whether you’re acquiring a property, refinancing, or funding a project, our process ensures you can move forward with confidence and speed.
Step One
Tell Us About Your Scenario
Begin by sharing key details about your real estate investment project. Our streamlined inquiry process gives you a fast, preliminary quote. You’ll then be connected with an experienced Account Executive to explore the best financing options tailored to your goals.
Step Two
Compile The Complete Loan File
Processing is the collection of all documents relevant to the deal. Ensuring your file is complete and properly qualified for underwriting—maximizing your leverage potential and keeping your loan on track.
Step Three
Analyze Deal Specifications
Our underwriting team reviews the complete loan file prepared during processing in order to qualify the deal for the investor. We carefully assess documentation and risks to structure terms that maximize leverage and accessibility.
Step Four
Close The Deal & Move Forward
Once the loan is mutually approved, we coordinate with all parties involved to ensure a smooth closing process. Funds are disbursed promptly, empowering you to start or continue your project on schedule with confidence and peace of mind.
Flexible Financing for Profitable Property Flips
Our Fix and Flip loans are designed for real estate investors who need fast, reliable funding. Whether you’re purchasing, renovating, or preparing to sell, we offer competitive rates, quick approvals, and customizable terms that align with your strategy and timeline. Let us help you move from acquisition to sale with confidence.
Fast Real Estate Loan Pre-Approval
Equity Backers provides a detailed loan term sheet within 24 hours, giving you early insight into loan terms. This fast turnaround lets you move quickly and confidently, whether you're purchasing, rehabbing, or refinancing. We ensure you never wait on paperwork, helping you stay competitive in a fast-moving market.
Get Funded in 48 hours
Our streamlined process helps you close in as little as 48 hours after all documentation is submitted. Whether acquiring, refinancing, or repositioning assets, we ensure you get the capital you need quickly. With efficient underwriting and clear documentation, we eliminate delays so you can seize opportunities and outpace competitors.
Pay Interest Only on What You Use
With our draw-based lending, you only pay interest on the funds you draw, not the entire loan amount. This flexible model improves cash flow, reduces borrowing costs, and maximizes returns. Ideal for funding renovations or managing multiple properties, it keeps your project lean while maintaining liquidity.
Full Rehab Financing Covered
Equity Backers provides capital to upgrade and improve properties without using your own funds. Whether flipping or enhancing rentals, our renovation financing helps you complete projects faster and more profitably. With fewer upfront costs and simple disbursements, we handle the funding while you focus on increasing property value.
Have Questions About Fix-and-Flip Loans? We Have Answers
How quickly can I get funded for a Fix & Flip loan?
We can fund your Fix & Flip loan in as little as 2 business days from term sheet approval to closing. Our streamlined process is designed for speed, helping you move fast on time-sensitive investment opportunities.
Do you fund renovation costs?
Yes. We finance up to 100% of your approved rehab budget, with funds disbursed in draws based on completed work. This allows you to renovate without tying up your own capital.
What type of properties qualify for Fix & Flip financing?
We fund non-owner-occupied single-family homes, townhomes, and small multifamily properties (2–4 units) that are being purchased for renovation and resale.
What are the typical loan terms for a Fix & Flip loan?
Loan terms typically range from 9 to 12 months, with interest-only payments during the term. We offer competitive rates and flexible structures to support your exit strategy. Extensions are available upon request.
Do I need prior experience to qualify?
While prior experience helps, it’s not required. We evaluate each borrower holistically—considering credit, liquidity, and the project’s strength. First-time flippers with solid plans are welcome.
How does the draw process work for rehab funds?
Once your rehab budget is approved, funds are released in stages after inspections confirm completed work. We offer fast draw turnaround to keep your project moving smoothly.