415.583.5515
Loan Programs

Fix & Flip Loans

Flipping is a timing play — and we help you win it. Our Fix & Flip loans provide fast, reliable capital for both acquisitions and renovations, with a streamlined draw process that keeps your crews moving and your timelines intact. Whether it’s your first deal or your fiftieth, Lendyx gives you the speed and certainty to compete and close.

Roofer wearing safety gear and tool belt using a hammer on a steep roof under clear blue sky.
Recently Closed

Fix & Flip Loans

Aluminum step ladder with a white paint bucket with an orange lid on the top platform against a white and blue background.

Loan Highlights

All-in-one flip financing

Fund both acquisition and renovations under a single loan.

Speed that wins deals

Term sheets in 24–48 hours, closings in as little as 7–10 business days.

Structures that work in the field

Flexible terms and rehab draws that match your project timeline.

No income docs required

Asset-focused underwriting — no tax returns or W-2s.

Fast draw turnaround

Simple inspections and same-day funding on approved rehab draws

Loan Terms

Loan Amount

$150,000-$20,000,000

Leverage

Up to 95% LTC / 75% LTV

Interest Rate

Starting at 8.5%

Amortization

Interest-Only

Term Length

12 - 24 Months (extensions available)

Interest Reserves

Can be funded through the loan

Soft Costs

Eligible for financing

Prepayment

No prepay penalty

Recourse

Full, partial, or non-recourse options

Time to Close

As fast as 10 business days

Draws

Fast releases after inspection

Program Criteria

We Work With

  • Investors, developers, and operators acquiring and renovating residential properties
  • Experience flippers scaling into larger or multiple projects
  • First-time investors partnered with a licensed GC or seasoned operator
  • Brokers submitting deals on behalf of qualified clients

Property Types We Finance

  • Single-Family Homes
  • 2-4 Unit Properties
  • Townhome Developments
  • Condo Projects
  • Multifamily (5+ units)

Not sure if your project qualifies? Submit us your deal.
We will review and respond within one business day.

What Sets Us Apart

Experience on Both Sides

Our team has operated on the sponsor side and worked in capital markets. We know how projects run and how loans are underwritten, so we structure to support that reality, not fight it.

Speed + Certainty

Fast decisions and streamlined closings. Clear answers so you can act when a property hits the market.

Rehab-Ready Structure

Acquisition and renovation in one loan. A straightforward draw process that releases funds quickly so contractors do not sit idle.

Real Access

Direct lines to our team. No “processing black hole,” no runarounds. You won’t get passed from desk to desk. When you call, we pick up.

Broker-Friendly

We protect broker relationships 100%. You bring the deal, we help you close it, and we make sure you look good in the process.

Recourse Flexibility

Full, partial, or non-recourse options available depending on the deal. We structure around your risk appetite and experience level, not a one-size-fits-all box.

Person installing light-colored interlocking wood floor panels.

Why Borrowers Choose Lendyx

Flips move fast, and so do we.

We finance acquisition and rehab in one loan and release draws quickly so your project keeps moving.

FAQs

Common questions and answers.
If you have unanswered questions, contact us.

Can I finance both the purchase and renovation costs?

Yes. Our Fix & Flip loans are structured to include both acquisition and rehab budgets in a single loan, with up to 95% LTC and 75% ARV depending on the deal.

How does the draw process work?

Draws are fast and frictionless. We release rehab funds based on completed work, verified by a third-party inspection. Most draws are funded within 24–48 hours of approval.

What is required to get a quote?

We keep it simple. Send us a deal summary, budget, and basic borrower background. No tax returns or credit pull needed to get started.

Do I need flipping experience to qualify?

While experience helps with leverage and pricing, we also work with first-time flippers who have strong credit, liquidity, and a solid business plan — especially when backed by a reliable GC.

How fast can I close?

We can issue a term sheet in 24–48 hours and close in as little as 10 business days — often faster for repeat borrowers. If the deal is ready, we are too.

Can brokers submit deals? Are fees protected?

Absolutely. We work with brokers nationwide and protect your fee 100%. Bring us a qualified deal and we’ll help you close it.

Let’s fund your next deal.

Apply in minutes. Close your loan quickly.