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Fix and Flip Loans | Private Money Financing for Property Investors & Rehab Projects

Fix & Flip Loans

Power Your Property Flips

From purchase to profit, Groundfloor fix and flip loans provide the speed and flexibility real estate investors need to act fast.

With no monthly payments during the term, these short-term loans are built for property acquisition, renovation, and resale, without the delays of traditional financing.

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Fix & Flip Loans

Fix & Flip Loans:
Funding That Fits Your Flip

House flipping loans help investors buy, renovate, and sell properties quickly. Our fix and flip loans are structured to keep your project moving, with key features including:
  • Loans up to 100% of renovation costs
  • Rates starting from 9.99%
  • Up to 70% LTARV (Loan-to-After Repair Value)
  • Terms from 6 to 18 months
  • No monthly payments with a fully deferred payment structure
  • No prepayment penalties
  • Fast approvals tailored to investors
Groundfloor Lending funds projects based on property value and renovation potential, not personal income.
Fix & Flip Loans

Simple Steps to Success

With Groundfloor

  • Apply Online: Submit project details in minutes. No tax returns or income documents required, just your renovation plan.
  • Get a Fast Response: Hear back in 24 hours. Our team keeps you informed throughout the process.
  • Close Quickly: Closings can happen in as little as 7 days, allowing you to move faster than traditional lenders.
  • Fund Your Flip: Renovation draws are released after each completed and verified phase, helping you stay on track.
Fix & Flip Loans

Why Choose a Groundfloor
Fix & Flip Loan?

  • Purchase and Rehab in One Loan: Finance both the property and renovation in a single package.
  • Fast, Flexible Lending: Close quickly and compete with confidence in hot markets.
  • Built for Real Estate Investors: Our programs are tailored to experienced and first-time flippers alike.
  • Asset-Based Approval: Loans are based on the After Repair Value (ARV) of the property, not on your income or employment history.
  • No Monthly Payments: Interest is deferred until repayment, giving you greater flexibility during your project.
  • Proven Track Record: Groundfloor has helped thousands of real estate investors successfully fund and complete renovation projects since 2013.

Requirements
 Get Started With:

  • 640+ credit score
  • A clear exit strategy (sale or refinance)
  • A well-defined renovation plan and budget
  • Minimum property value thresholds may apply
  • Down payments as low as 0% in qualifying situations
Fix & Flip Loans

Is House Flipping Worth It in 2025?

In many markets, house flipping continues to be a profitable strategy. Rising home values and sustained buyer demand mean there are still strong opportunities. With the right renovation approach and an experienced lender, investors can unlock strong returns in today’s market.

Real Estate Loan FAQs | Groundfloor Lending Borrower Questions Answered

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Fix & Flip Loans Frequently Asked Questions

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