FIX AND FLIP LOAN

Fast Funding for Smart Flips

ETG Financial’s Fix and Flip Loans are built for real estate investors who move fast and think big. Get the capital you need to purchase, renovate, and resell properties, quick approvals, flexible terms, and funding that works on your timeline.

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What Is a Fix and Flip Loan?

A Fix and Flip Loan is a short-term, asset-based loan designed for real estate investors who purchase undervalued properties, renovate them, and sell for profit. These loans cover both the purchase price and renovation costs, making them ideal for time-sensitive projects with high return potential.

Fix and Flip Loans typically offer:

Fast funding (often within days)

Interest-only payments during the loan term

Short durations (6–18 months)

Flexible draw schedules tied to project milestones

ETG Financial offers Fix and Flip Loans tailored for first-time flippers and seasoned investors alike, giving you the capital and confidence to move fast and maximize ROI.

The average interest rate on a Fix and Flip loan typically ranges from:

8% to 12% annually

However, rates can vary based on several factors:

What Affects the Interest Rate?

Experience Level: Seasoned investors may get lower rates.

Loan-to-Value (LTV): Lower LTV = less risk = better rates.

Credit Score: While not the main factor, higher scores can help.

Project Type: Riskier or complex projects may carry higher rates.

Market Conditions: Economic trends and lender policies impact pricing.

Example:

First-time investor: ~11%–12% interest

Experienced flipper with strong track record: ~8%–10%

Origination fees: Typically 1%–3% of the loan amount

Fix and Flip Loans At It's Best

Applying for a Fix and Flip Loan, it's important to carefully consider the purpose of the loan, the amount needed, and the ability to repay. Comparing offers from different lenders, understanding the terms and fees, and reviewing the interest rate are crucial steps in finding the best Fix and Flip Loan for your needs.

Fix and Flip Loan

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How Do You Qualify for a Fix and Flip Loan?

Qualifying for a Fix and Flip loan is simpler than traditional financing. These loans are asset-based, meaning approval is focused more on the value of the property and the potential return than your credit score alone.

Basic Qualification Requirements:

Investment Property (not owner-occupied)

Solid After-Repair Value (ARV) Estimate

Detailed Renovation Plan & Budget

Experience Preferred (but not always required)

Credit Score of 620+ (flexible)

Down Payment (typically 10%–20% of purchase price)

Exit Strategy (usually a resale or long-term refinance)

Applying for a Fix and Flip Loan with ETG Financial

We make the process fast and straightforward:

1. Submit Property Details - Tell us about the property, your renovation plan, and your expected resale value.

2. Get Pre-Qualified - We’ll review your deal and provide terms, often within 24–48 hours.

3. Upload Documents - Submit your ID, purchase contract, budget, and any past flip history.

4. Close & Fund - Once approved, we fund the deal fast, often in 7–10 business days or less. Funds for rehab are typically disbursed in draws based on project milestones.

Why Choose ETG Financial for Your Fix and Flip Loan?

Fast Closings - We understand that speed matters in real estate investing. ETG delivers quick approvals and funding, often in as little as 7–10 business days

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Maximize Your ROI - Get funding for both purchase and renovation costs with flexible draw schedules and interest-only payments that support strong cash flow.

Asset-Based Lending - Your credit doesn’t need to be perfect. We focus on the property’s value and potential, not just your score.

Built for Investors - Our loan programs are designed specifically for fix and flip projects. Whether you’re a first-time flipper or a seasoned investor, we’ve got the right terms for your strategy.

Expert Support - From deal analysis to final sale, our experienced team provides personalized guidance every step of the way, because your success is our mission.

Nationwide Access - We work with investors across the U.S., giving you access to market-driven funding options wherever opportunity calls.

Fix and Flip Loan Options

Traditional Fix and Flip Loan

Hard Money Fix and Flip Loan

Bridge Loan for Fix and Flip

Line of Credit for Fix and Flip

Fix and Rent Loan (Flip-to-Hold Hybrid)

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100% Guarantee Best Service

Frequently Asked Questions (FAQs)

What is merchant processing?

Merchant processing refers to the handling of electronic payment transactions for businesses, typically credit and debit card payments. A payment processor enables these transactions and deposits the funds into the merchant's account.

What do I need to start accepting card payments?

You need a merchant account, a payment gateway (if you're online), and a payment processor. Some platforms bundle these together.

What's the difference between a merchant account and a payment gateway?

A merchant account holds your card transaction funds before they're deposited into your bank account. A payment gateway securely transmits card information from your site to the processor.

What are typical fees for merchant processing?

Common fees include:

Transaction fees (1.5%–3.5%)

Monthly fees

Chargeback fees

PCI compliance fees

What’s the difference between flat-rate and interchange-plus pricing?

Flat-rate is a single percentage per transaction (e.g., 2.9%). Interchange-plus is the actual card network fee (interchange) plus a small markup, which can be more transparent and cost-effective for larger businesses.