Fix & Flip Loans for Real Estate Investors Nationwide

Fast, Flexible and Investor-Focused Financing by Creare Capital Lending

Creare Capital Lending provides nationwide Fix & Flip Loans designed for real estate investors who need fast, reliable, and asset-based financing. Whether you're acquiring a distressed property or renovating for resale, our programs deliver the capital you need — without the delays and restrictions of traditional lending.


Our Fix & Flip Loans allow investors to buy, rehab, and sell investment properties with confidence. With quick approvals, competitive terms, and streamlined underwriting, Creare Capital Lending makes your next flip faster and easier.

Program Highlights

Loan Amounts:  $100K – $5M

Up to 85% Purchase | Up to 100% Rehab | Up to 75% ARV

Rates Starting at 10.49%

Term Length: 9–24 Months

Interest-Only Payments Available

No Prepayment Penalty Options

Nationwide Lending

Foreign Nationals Eligible

Bridge & Blanket Loan Options Available


Eligible Property Types:

  • SFR (1–4 units)
  • Condos & Townhomes
  • Multi-Family
  • Mixed-Use (non-owner occupied only)

Why Real Estate Investors Choose Creare Capital Lending

  • Fast Closing Times – Typical closings in 2–3 weeks
  • Investor-Friendly Underwriting – Asset-based, no tax returns required
  • Maximum Leverage – Finance both acquisition and renovation costs
  • Dedicated Loan Officers who specialize in Fix & Flip funding
  • Nationwide Programs supporting new and experienced investors

We focus on deal value, project potential, and investor experience — not complicated bank guidelines.

What Are Fix & Flip Loans?

   Fix & Flip Loans are short-term asset-based bridge loans that provide funding to purchase and renovate investment properties for resale. These loans are ideal for investors who want to:

  • Acquire distressed or undervalued properties
  • Finance light, moderate, or full renovations
  • Increase property value before resale
  • Scale their real estate portfolio quickly

   Unlike Hard Money loans that rely solely on the property, Fix & Flip Loans evaluate both the asset  and the borrower’s experience, allowing for higher leverage and more favorable terms.

The Creare Capital Fix & Flip Loan Process

1. Pre-Approval

Your loan officer reviews:

  • Property details
  • Purchase price
  • Rehab budget
  • Experience & credit
  • Proof of funds

Pre-approvals are typically issued the same day after a brief conversation.


2. Underwriting

We conduct a streamlined review including:

  • Appraisal & ARV analysis
  • Scope of work review
  • Credit/background check
  • Entity documents (if applicable)
  • Contractor review (when required)

Our underwriting is designed to move fast, not slow you down.


3. Funding

Once approved:

  • Final loan documents are signed
  • Funds are released directly to the seller at closing
  • Rehab funds are held for future draws

You’re officially ready to begin your project.


4. Rehab Draw Schedule

We set up a clear construction draw schedule for the renovation phase.

How it works:

  • You complete each phase of construction
  • An inspector verifies progress
  • Funds are released within 2–3 business days

This ensures your project stays fully funded and on track.

Who Are Fix & Flip Loans For?

Creare Capital’s Fix & Flip Loans are ideal for:

  • First-time investors
  • Experienced flippers
  • Builders and rehab specialists
  • Investors expanding their portfolio
  • Foreign nationals investing in U.S. real estate

Not available for owner-occupied properties.


Start Your Next Flip with Confidence

   Get pre-approved in minutes and secure the capital you need for your next project. Fast approvals. Flexible terms. Investor-focused lending.

APPLY NOW

Fix & Flip Loan FAQs

   If you’re a real estate investor exploring Fix & Flip Loans, you probably have questions about how they work, how to qualify, and what makes Creare Capital Lending different. Below are the most common questions investors ask about our Fix & Flip Loan programs — covering everything from loan terms and qualifications to funding timelines and rehab financing.

  • What is a Fix & Flip Loan and how does it work?

    A Fix & Flip Loan is a short-term, asset-based loan designed for real estate investors who buy, renovate, and resell properties for profit. It provides funding for both the purchase price and renovation costs, allowing investors to leverage capital and maximize returns.

  • How much can I borrow for a Fix & Flip Loan?

    Creare Capital Lending offers loan amounts from $100,000 to over $5 million, financing up to 85% of the purchase price, 100% of the rehab budget, and up to 75% of the ARV (After-Repair Value).

  • How fast can I close on a Fix & Flip Loan?

    Most Fix & Flip Loans close within 10-15 days, depending on property details, appraisal timelines, and documentation. Creare Capital Lending’s streamlined approval process helps investors secure funding quickly to stay competitive in the market.

  • Do I need tax returns or income verification to qualify?

    No. Our Fix & Flip Loans are asset-based, meaning qualification is focused on the property value and project potential — not personal income, tax returns, or employment history.

  • Can I finance 100% of the renovation costs?

    Yes. Creare Capital Lending offers financing for 100% of approved rehab costs, released through a draw schedule as work is completed and inspected — keeping your project moving smoothly.