How fast can you close a fix & flip loan?

Terms in hours. Most fix & flip files close in 5–10 business days once the appraisal and title are ordered. We have closed in as few as 4 days on clean deals.

Do you really fund 100% of rehab?

Yes. Rehab is funded in draws and reimbursed after inspection, typically within 24–48 hours of your request.

Is there a hard credit pull?

Not to pre-qualify. We use a soft pull for pre-approval and only run a hard pull at final underwriting with your consent.

What if this is my first flip?

First-timers are welcome. Pricing starts a bit higher (9.5%–10.95%) and leverage may be trimmed, but a strong deal with a real contractor bid gets funded.

Are there prepayment penalties?

None. Pay the loan off the day the flip sells and you only owe interest for the days you held the money.

Loan program · Fix & Flip

Fix & Flip loans built for the speed of the deal.

Up to 90% of purchase and 100% of rehab, provided the loan stays within 70–75% LTARV. No income verification, no tax returns, no hard credit pull.

(512) 399-4476

Aerial view of an Austin, Texas residential neighborhood at sunrise

Terms at a glance

Fix & Flip loan terms
Term	1–24 months
Rate	7.5%–10.95%, interest-only
Loan-to-cost	Up to 90% LTC
Construction costs	100% financed
LTARV	70%–75% (qualifying range)
Maximum loan	$5,000,000
Minimum FICO	660
Minimum asset value	$100,000
Income verification	None
Tax returns	Not required
Credit pull	Soft pull only to pre-qualify
Interest reserve at closing	None
Prepayment penalty	None

Rates and terms subject to underwriting and change without notice.

How it works

1
Apply in 5 minutes
Seven questions online. Soft pull only, no tax returns.
2
Terms in hours
A real underwriter reviews your file and calls you the same day.
3
Appraisal & docs
We order valuation and title while you gather the short doc list.
4
Fund in days
Wire out, draws reimbursed in 24–48 hours through the project.

Includes a free Curlee Deal Brief + dedicated Deal Advisor.

Questions investors ask

Ready to price this deal?

Seven questions, about two minutes, soft credit pull only.

Other programs

The big platforms qualify properties. We fund investors.

Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.