Fix & Flip Loans
Fast Funding. Flexible Terms. No Upfront Costs.
Finance the purchase and
rehab of distressed properties.
Fast approvals, interest-only payments,
and funding based on ARV.
12 - 18 Months
Maximum Repayment Term
Up to 95% LTC
Available to Qualified Borrowers
Up to 95% LTC
Available to Qualified Borrowers
$75k-$10M
Loan Amount Available
Who Qualifies
Minimum Requirements for Fix and Flip Loans
with Huge Capital Funding
640+ Credit Score
20% of Purchase Price Liquid
Renovation Budget
*Meeting Minimum Requirements Does Not Guarantee Approval. Several factors are considered in underwriting decisions, including, but not limited to the requirements listed above.
*Stronger profiles typically have 680+ credit, 30-50% of the purchase price liquid, a renovation budget and experience in 5+ flips. These borrowers get the lowest rates, less closing costs and require less money down.
What is a Fix and Flip Loan?
Fix and flip loans are short-term financing solutions designed for real estate investors looking to acquire, renovate, and quickly resell residential properties for profit. Whether you're a seasoned investor or just starting out, these loans provide fast, flexible capital to help you move quickly on undervalued properties that need work.
Unlike traditional bank loans, fix and flip loans focus on the property’s after-repair value (ARV) rather than your personal income or credit score. This allows investors to borrow based on the project’s potential, not just their financial history. Funds can be used to cover both the purchase price and renovation costs, with loan terms typically ranging from 6 to 18 months.
These loans are especially useful when speed is critical. In many cases, funding can be secured in just days, enabling investors to compete with cash buyers. Renovation funds are often disbursed in draws as work is completed, helping investors manage cash flow and stay on schedule.
Whether you're flipping a single-family home or scaling your portfolio, fix and flip loans offer a streamlined, asset-focused lending option designed to help you move fast, build equity, and grow your returns.
Benefits of Fix & Flips with Huge Capital Funding
Quick Closing
Get funding in as little as 1–3 days so you can jump on opportunities without delays. Compete with cash buyers and lock in deals fast.
No Out-of-Pocket Rehab Costs
Preserve your capital — financing can cover up to 100% of renovation expenses, helping you scale faster and boost ROI.
Minimal Documentation
We keep it simple. No endless paperwork — just a streamlined process designed for speed and ease.
Plan Your Next Fix and Flip
Are We a Match? Here’s What Most Qualified
Fix and Flip Applicants Look Like:
Funding Amount
$75,000 Minimum
Credit Score
620+ FICO
Experience
None Required
Down Payment
As low as 5%
Lump Sum
From $5k-$1mm
Repayment Term
6-84 Month Terms
Predictable
Daily, Weekly Or Monthly Payments
Get a Fix & Flip Loan In 3 Simple Steps
with Huge Capital Funding
Complete Your Application
Start with our fast, online form—designed to take just minutes.
Receive a Personalized Offer
One of our funding experts will send you a tailored term sheet to review.
Receive Your Funds & Close
Close the deal and receive your funds—often in as little as a few business days.
Are We a Match? Here’s What Most Qualified
Fix and Flip Applicants Look Like:
Credit Score
620+ FICO
Funding Amount
$75,000 Minimum
Down Payment
As low as 5%
Experience
None Required
FAQ's
What is a Fix and Flip Loan?
A fix and flip loan is short-term financing used by real estate investors to purchase, renovate, and quickly resell a property for profit. It typically covers both acquisition and rehab costs.
How much can I borrow?
Loan amounts vary, but many lenders offer up to 85-95% of the purchase price and 100% of rehab costs, as long as the total loan doesn't exceed a certain percentage of the ARV (typically 65-75%).
What are the loan terms?
Most fix and flip loans range from 6 to 18 months, with some options allowing short extensions depending on the lender.
How does the “Draw” process work?
Renovation funds are held in escrow and released in draws after specific phases of work are completed and verified through inspections or documentation.
Can I use a fix and flip loan for a rental property?
Not directly. These loans are for short-term resale projects. If you plan to hold and rent, you'd need to refinance to a DSCR loan or rental property mortgage after the flip is complete.
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“You don’t need to know everything about funding — you just need someone who does, and who actually gives a damn about your outcome.”
Offers presented by Huge Capital are conditional and subject to third-party lender approval. Final terms depend on underwriting criteria, creditworthiness, business financials, and lender-specific requirements. Same-day or expedited funding is not guaranteed and may vary by lender, product, and time of application.
Huge Capital is not always a direct lender. We may broker financing through a vetted network of funding partners. Some underwriting decisions are made by third-party institutions, and offers are extended based on lender terms. Clients have the option to accept or decline any offer received.
Huge Capital does not perform hard credit inquiries for prequalification. However, some lenders in our network may require full documentation or credit verification before final approval. Loan terms and conditions, including interest rates and repayment schedules, vary by lender and applicant profile.
Not all industries or business types are eligible for funding. Certain restrictions may apply based on lender guidelines and state laws.
Huge Capital makes no guarantees of approval or specific funding amounts. The total capital available depends on business credit, revenue, existing liabilities, and the lender's risk assessment.
Loans and funding products are subject to change without notice. Huge Capital is located at 930 S 4th St, STE 209, Las Vegas, NV 89101.