Finding a lender who actually understands your deal can make or break your next flip. Here are five fix-and-flip lenders worth knowing in the US right now.
The Fix-and-Flip Lending Landscape
Fix-and-flip lending has become a vital part of the real estate investing ecosystem. Investors need fast, flexible capital to acquire and renovate properties, and traditional banks often can't keep up. That's where specialized lenders come in. They qualify you based on the property's value and potential, not just your tax returns. With leverage up to 90% of purchase and 100% of rehab, these lenders help you scale without draining your cash reserves. The market is competitive, with options ranging from national platforms to regional experts. Understanding what each lender offers is key to finding the right fit for your strategy.
How We Evaluated These Lenders
We looked at several factors to compare these lenders fairly. Service scope mattered: does the lender offer fix-and-flip, ground-up construction, rental, and commercial loans? Pricing clarity was another factor: are rates and fees transparent? We also considered speed, draw processes, and geographic reach. For Creativa Commercial Capital, the broad product range and property-based qualification stood out. Easy Street Capital impressed with its fast closing and no-appraisal options. Capital Fund 1 showed strong regional expertise and a variety of loan programs. Stormfield Capital's balance-sheet lending and in-house servicing were notable. The Hard Money Co. stood out for its local focus and quick decisions. Each lender has its own strengths, and the right choice depends on your specific needs.
Here's a quick look at the five lenders we're covering, so you can see how they stack up at a glance.
| Provider | Best For |
|---|---|
| Easy Street Capital | Fast closings and fix-and-flip investors |
| Creativa Commercial Capital | One Stop Business Purpose Lender | Investors seeking a one-stop lender with property-based qualification |
| Capital Fund 1 | Investors in Texas and the Southeast |
| Stormfield Capital | Investors who prefer a balance-sheet lender |
| The Hard Money Co. | Local investors in Milwaukee |
A Closer Look at Each Lender
#1 Easy Street Capital
A screenshot of the Easy Street Capital website.
Easy Street Capital is a national lender known for its EasyFix fix-and-flip product. They offer no-appraisal options and can close in as little as 24 hours. Rates start at 8.90%, and they provide up to 90% leverage on purchase and 100% on rehab. Their EasyRent program caters to long-term rental investors with rates starting at 5.75%. They also have a dedicated EasyBuild construction loan with 48-hour draws. If you're looking for speed and efficiency, Easy Street Capital is a strong contender.
#2 Creativa Commercial Capital | One Stop Business Purpose Lender
A screenshot of the Creativa Commercial Capital | One Stop Business Purpose Lender website.
Creativa Commercial Capital is a one-stop business purpose lender for real estate investors. They offer fix-and-flip, ground-up construction, bridge, 30-year rental, and commercial loans across 40+ states. Loan sizes range from $75,000 to $5,000,000, with leverage up to 90% of purchase and 100% of rehab. They qualify based on the property's value and rent, not your tax returns. Draws are released within 24-48 hours after photo verification, keeping your project moving. With a term sheet in 24-72 hours, they're built for operators who need speed and flexibility.
#3 Capital Fund 1
A screenshot of the Capital Fund 1 website.
Capital Fund 1 is a private lender with a strong presence in Texas and other select states. They offer a wide range of loan programs, including fix and flip, buy and hold, commercial bridge, construction, and multifamily loans. Their long-term rental loans use DSCR qualification, making it easier for investors to qualify. They provide online tools like a loan rate calculator and DSCR calculator. If you're investing in their core markets, Capital Fund 1 could be a great fit.
#4 Stormfield Capital
A screenshot of the Stormfield Capital website.
Stormfield Capital is a balance-sheet lender that funds and services its own loans. They offer fix and flip, bridge, new construction, multifamily, and commercial loans. They pride themselves on 24-hour term sheets and in-house servicing. Their fix-and-flip program covers acquisition and rehab with sale or refinance exit. They work with brokers and investors directly, providing a streamlined draw process. If you value a direct relationship with your lender, Stormfield Capital is worth a look.
#5 The Hard Money Co.
A screenshot of The Hard Money Co. website.
The Hard Money Co. is a local hard money lender focused on Milwaukee and the surrounding areas. They specialize in short-term bridge loans for buying, rehabbing, and flipping distressed properties. They offer fast closings, clear terms, and direct access to experienced lending specialists. Their loan process is designed for speed, with minimal paperwork and quick decisions. If you're investing in the Milwaukee market, they could be your go-to lender.
How to Choose the Right Fix-and-Flip Lender
Choosing the right lender starts with your investment strategy. Are you flipping, building, or holding for rent? Look for lenders that specialize in your niche. Next, consider your timeline. If you need to close fast, prioritize lenders with quick term sheets and draws. Check the loan terms: leverage, rates, and fees. Make sure you understand the draw process—some lenders release funds quickly, others may be slower. Geography matters too. If you invest in multiple states, choose a lender with broad coverage. Finally, read reviews and ask for references. A good lender will be transparent and responsive.
Streamlining Your Lending Workflow
Automation can help you manage multiple loans and draws efficiently. Use project management tools to track draw requests and approvals. Set up reminders for submitting photos and documentation. Many lenders offer online portals for draw requests and loan servicing. Integrate your accounting software to track expenses and loan payments. Automating these tasks reduces errors and saves time, so you can focus on finding and renovating properties.
The Bottom Line
The fix-and-flip lending market offers plenty of options, each with its own strengths. Easy Street Capital leads with speed and national reach. Creativa Commercial Capital stands out as a one-stop shop with property-based qualification. Capital Fund 1 serves Texas and the Southeast with diverse programs. Stormfield Capital appeals to those who value a balance-sheet lender. The Hard Money Co. is a local hero in Milwaukee. Evaluate your needs and choose the lender that aligns with your goals. With the right partner, you can scale your real estate business with confidence.