Quick and reliable funding for flips of every size. Rates 9.5–12%, up to 100% loan-to-cost for premier borrowers, and 100% of your rehab budget financed via draws. Close in as little as 72 hours with clear title — 42 states.
A Fix and Flip loan is short-term bridge financing used to purchase and rehabilitate a distressed property before selling or refinancing it. Loan size is anchored to the property's after-repair value (ARV) — not just its current condition — so investors can finance both the acquisition and the renovation on a single loan. Rehab dollars are disbursed via draws as work is completed and inspected.
Most SLA borrowers use a Fix & Flip loan to acquire and rehab, then either sell for profit or refinance into a long-term DSCR loan once the property is stabilized and rented.
Close in as little as 72 hours with clear title. The fastest funding in the field when your deal needs to move.
Points range 1–4. Transparent up-front pricing — no bait-and-switch, no surprise fees at the closing table.
Premier repeat borrowers qualify for up to 100% loan-to-cost. First-timers welcome — LTC scales with experience.
Full rehab budget financed and disbursed via draws after inspection. Photos + invoices approve same-day through our platform.
Choose the term that fits your project. Extensions available on active deals — no penalty for finishing early.
Loans from $55,000 up to $3,000,000. From cosmetic flips to full gut jobs — same lender, same team, same clean process.
Enter the purchase, the rehab budget, the ARV. Our platform returns a real term sheet in minutes — LTC, rate, points, and reserve requirement. No back-and-forth to figure out if the deal even fits.
Same-day draw approvals when photos and receipts are clean. Every request runs through the same system that already knows your project — no re-explaining, no lost paperwork, no delays that kill your schedule.
Zero out-of-pocket to get a real quote and get under contract. No application fees, no appraisal fees, no junk fees on any Fix & Flip loan.
"SLA has become my go-to lender... They are no nonsense and quick and I can always rely on them to make my closings quick and easy."
A Fix and Flip loan is a short-term bridge loan used to purchase and rehabilitate an investment property before selling or refinancing. Loan size is sized off the after-repair value (ARV), and rehab costs are financed via draws disbursed as work is completed.
As little as 72 hours from application to funding when the title is clear and the file is complete. Average close across all Fix & Flip loans is 7–10 days.
SLA Capital finances 100% of rehab costs. Funds are disbursed via draws after inspection of completed work. Photo-and-invoice draw requests run through our platform for same-day approvals.
Up to 100% loan-to-cost (LTC) for premier repeat borrowers. First-time borrowers typically qualify for lower LTC based on experience and deal strength.
Rates range 9.5% to 12%. Origination points range 1 to 4. Every quote is transparent and up-front — the rate you're quoted is the rate you close at.
No. Zero application fees, zero appraisal fees, no hidden costs. What you're quoted is what you close at.
Send us the property, purchase, rehab budget, and ARV. We'll return a real term sheet the same business day.
Refinance your finished flip into long-term rental financing. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Land + vertical build + interest reserve on one loan. Rates from 10%. Loans $100K–$7.5M.