Fix and Flip Loans

Purchase and Renovation Financing Built for Investor Execution

Fix and flip loans are designed for investors who buy properties, renovate them, and resell for profit. The right loan structure makes the project predictable. It protects your liquidity, keeps draws aligned to milestones, and gives you a clear path from acquisition to sale.

Swiftline Capital provides access to fix and flip programs built for speed, clarity, and project-focused underwriting.

What a Fix and Flip Loan Is

A fix and flip loan is a short-term real estate loan used to finance the purchase of a property and, in many cases, the renovation costs. Funding is secured by the property and typically structured with:

An initial amount for acquisition at closing
A renovation budget released through draw requests
A short-term timeline designed to match the renovation and resale plan

This financing is built around the deal, the budget, and the after-repair value potential.

Who Fix and Flip Loans Are For

Fix and flip loans are a strong fit for:

Investors buying distressed properties to renovate and resell
Operators who want to preserve cash instead of paying all-cash
Repeat investors who need predictable draw processes
Investors with multiple projects who want a repeatable capital system
Buyers acquiring properties that do not qualify for conventional loans due to condition

Common Use Cases

Marketing and Lead Generation
Increase ad spend, expand campaigns, or fund sales team efforts that create immediate revenue lift.

Purchase + Renovation Financing

Close on the deal and fund renovations without tying up your operating cash.

Value-Add Projects with Defined Scope

Projects where the renovation plan, budget, and timeline are clear and measurable.

Fast Closings

When you need to close quickly to secure the property, especially on competitive deals.

Repeat Flips and Pipeline Building

Investors who flip consistently and want a financing partner that understands speed and process.

How the Process Works

Step 1: Quick Deal Intake

Share the property address, purchase price, timeline, and intended scope.

1

Step 2: Budget and ARV Review

We review the renovation plan and assess whether the ARV is supportable.

2

Step 3: Underwriting and Closing

Once structured, the loan moves through underwriting and closes with speed and clear expectations.

3

Step 4: Renovation and Draw Management

As work progresses, draw requests are processed according to the agreed structure.

3 What You Should Have Ready

To speed up the process, it helps to have:

Property address and purchase contract
Renovation budget and scope of work
Estimated ARV with comps if available
Your target timeline to completion and resale
Entity details if buying in an LLC
A short summary of your experience, if applicable

Why Investors Use Swiftline Capital

Access to multiple fix and flip programs
Fast closing support with deal-first underwriting
Clear expectations on budgets, draws, and timelines
Financing designed to preserve cash for operations
Reliable execution from intake through draw management

Request Fix and Flip Loan Options

If you have a deal under contract or want to evaluate a potential acquisition, we can review the scenario and outline available hard money options.