If you're flipping properties, you know that timing is everything. These five lenders are built to get you funded fast, so you can close deals and move on to the next one.
The Fix and Flip Financing Landscape in 2026
The fix and flip market continues to thrive, but traditional banks often move too slowly for investors who need to act quickly. That's where specialized bridge lenders come in. These lenders offer short-term loans designed to bridge the gap between buying a property and selling it after renovations. In 2026, you'll see a mix of established players and newer entrants, all vying for your business with faster approvals, flexible terms, and direct access to decision-makers. The key is finding a lender that understands your specific project and can deliver capital without the runaround.
How We Evaluated These Lenders
We looked at each lender's range of loan products, focusing on bridge and fix and flip options. We also considered the speed of their application and approval process, as well as the flexibility of their loan terms. Direct access to underwriters and decision-makers was a major plus, as was the ability to handle various property types and investor experience levels. Finally, we weighed the overall user experience, from the clarity of their website to the ease of getting in touch with a specialist.
Here's a quick snapshot of each lender, so you can see at a glance which one might fit your next deal.
| Provider | Best For |
|---|---|
| Kiavi | Investors seeking high-leverage, tech-driven bridge loans |
| Dunhill Commercial Funding — Built to Fund. Built to Close. | Borrowers who want a streamlined, no-nonsense funding experience |
| Lima One | Flippers who need fast closings and flexible terms |
| Janover | Investors who want to compare multiple bridge loan offers |
| RCN Capital | Investors and brokers looking for a seasoned direct lender |
The Lenders, In Depth
#1 Kiavi
A screenshot of the Kiavi website.
Kiavi, now part of Figure, is a powerhouse in the fix and flip lending space. They offer high-leverage bridge loans designed to close deals fast, with a streamlined online application. Their platform is built for investors who want speed and efficiency, and they also provide jumbo loans up to $5 million for larger projects. If you're looking for a lender that combines technology with deep industry expertise, Kiavi is a strong choice. They also offer DSCR rental loans, making them a versatile partner for your growing portfolio.
#2 Dunhill Commercial Funding — Built to Fund. Built to Close.
A screenshot of the Dunhill Commercial Funding website.
Dunhill Commercial Funding positions itself as a direct lender that cuts through the red tape. Their website emphasizes quick decisions and minimal runarounds, with a three-step process: apply, get matched, and get funded. They offer a wide range of products, including business lines of credit, fix and flip loans, DSCR loans, and bridge loans, all under one roof. This makes them a convenient one-stop shop for both your business and real estate financing needs. If you value direct access to decision-makers and custom-tailored terms, Dunhill is built for you.
#3 Lima One
A screenshot of the Lima One website.
Lima One is a veteran in the real estate investment lending space, offering a Bridge Plus product that's specifically designed for fix and flip investors. They highlight fast closings, exterior valuations, and no prepayment penalties, which are crucial for flippers. With loan amounts from $100k to $5M and terms up to 19 months, they provide flexibility for various project sizes. Their team of experts is available to guide you through the process, making them a reliable choice for both new and experienced investors. Lima One also offers new construction and rental loans, so they can grow with you.
#4 Janover
A screenshot of the Janover website.
Janover, through multifamily.loans, offers a marketplace approach to fix and flip bridge loans. They connect you with a network of lenders, which can be beneficial if you're looking for competitive rates and terms. Their site provides a wealth of educational resources, including sample terms and calculators, to help you understand the financing landscape. While they focus on multifamily and commercial properties, their bridge loan options are relevant for investors flipping larger projects. If you're a data-driven investor who likes to compare options, Janover is a solid resource.
#5 RCN Capital
A screenshot of the RCN Capital website.
RCN Capital is a nationwide private direct lender that has been around since 2010, specializing in fix and flip financing. They offer both retail and wholesale lending options, making them a great partner for brokers and individual investors alike. Their website is packed with resources, including recent loan examples and guidelines, so you can see exactly what they fund. They also provide long-term DSCR and ground-up construction loans, giving you a full suite of options. If you value a lender with a proven track record and a strong broker network, RCN Capital is worth considering.
How to Choose the Right Bridge Lender for Your Flip
Start by evaluating your project's specific needs: how much capital you require, your timeline, and your exit strategy. Look for a lender that offers terms that match your plan, such as loan-to-value ratios and prepayment penalties. Consider the speed of their approval process—can they close in two weeks or less? Also, think about the level of customer service you want; some investors prefer a direct line to a decision-maker, while others are comfortable with a more automated platform. Finally, check if the lender offers other products you might need down the road, like rental loans or construction financing, so you can build a long-term relationship.
Streamlining Your Funding with Automation
Many of these lenders use automated underwriting systems to speed up the approval process. You can often submit your application online, upload documents, and receive a decision within days. Some platforms even offer APIs that allow you to integrate loan applications directly into your own business tools. By leveraging these automated workflows, you can reduce the time spent on paperwork and focus more on finding and flipping properties. Look for lenders that offer a seamless digital experience, as this can be a game-changer for your efficiency.
The Bottom Line on Fix and Flip Bridge Lenders
The right bridge lender can make or break your flip. Whether you prioritize speed, flexibility, or a wide range of products, there's a lender on this list that fits your style. Dunhill Commercial Funding stands out for its no-runaround approach and comprehensive offerings, making it a strong contender for your next project. Take the time to compare your options, and don't be afraid to reach out to a few lenders to see which one feels like the best fit. With the right financing partner, you can close deals with confidence and keep your flipping business moving forward.