Parameters:
Property Types
Fix and flips, distressed properties, and non-arm's length transactions

Loan Amounts
$30,000 – $12,000,000
Term
6 months to 20 years – interest-only, partially-amortized, and fully-amortized loans available.

Loans Available

Loans are available to individuals, trusts, corporations, and limited partnerships A fix and flip hard money loan allows borrowers to come in with minimal skin in the game. We realized that our clients who purchase investment properties perform some level of rehab on the property to get it ready for sale or rental. Occasionally, the rehab can cost more than the actual price of the purchase. In order to serve our clients better, we decided to make our fix and flip loans based on the total project cost. We can lend up to 85% of total project cost in our fix and flip loan program – the rehab money is held back and released as the project is completed. Credit Finance Service Ltd fix and flip loans provide flexible terms for funding of up to 85 percent of the purchase and rehab costs of the project. We offer hard money loans for fix and flip properties from $30,000 and up, with no prepay penalty and no limit on the number of properties. Use our fix and flip loans when traditional lending solutions are not available. Often times, these undesirable properties do not meet FHA guidelines.

This means, federal agencies like Freddie Mac and Fannie Mae will not back these loans. These agencies provide money to traditional lending agencies that would typically provide cash to home-buyers. Because federal agencies are not backing the loan, options for borrowers looking to purchase foreclosed properties are limited. We can often provide you with same-day prequalification on our fix and flip loan so you have the cash fast to take advantage of opportunities when they arise.
Fix and flip loan scenarios we commonly assist with include but are not limited to:
Short Sale Purchase and Rehab
REO or Bank Owned Purchase and Rehab
Refinancing a short term loan intended as a Flip
Unable to qualify for Conventional Financing
Full Amortized Loans
Portfolio Loans and Multi-Property Loans
There is no limit on the number of properties.
We offer both interest-only and term fix and flip loans up to 7 years, allowing you to choose a payment schedule that best fits your needs! If you’re looking to take advantage of the great rental market throughout the country, we can help!
We are as good as cash.
With no limits on the number of properties or fix and flip loans, you can leverage one building or your entire commercial portfolio.
Our customized fix and flip loan programs allow you to get a loan that best suits your business needs.