Short-term capital for investors acquiring, renovating, and reselling properties. Fast funding, up to 100% of rehab costs, structured around your exit timeline.
Fix and flip financing is short-term capital built specifically for residential investors who buy distressed properties, renovate them, and sell for a profit. The product is designed for speed and flexibility — because in this game, time is money.
Unlike conventional loans, fix and flip financing is based on the after-repair value (ARV) of the property — meaning you can borrow against what the home will be worth once renovated, not just what it's worth today. This allows investors to maximize leverage and minimize the cash they put into each deal.
With Civic Financial Services, up to 100% of renovation costs can be financed, with funds disbursed as work is completed. That means your out-of-pocket is primarily the acquisition — and even that can be partially covered depending on the deal's ARV and your borrower profile.
The key to a successful fix and flip loan is a realistic rehab budget, a clear scope of work, and a credible exit. I'll help you stress-test the numbers before you go to a lender — so your deal is positioned to close fast and fund fully.
What the property will be worth after renovations are complete, based on comparable sales in the market.
Most lenders will go up to 65–70% of ARV. The higher your ARV relative to purchase + rehab costs, the better your leverage.
A line-item renovation budget from a licensed contractor. Lenders require this before funding rehab dollars.
Rule of thumb: aim for a minimum 20% profit margin on ARV after all costs — purchase, rehab, financing, and selling expenses.
Most flippers exit via sale. Some convert to rentals and refinance into a DSCR permanent loan instead.
Typical light-to-medium rehab timeline. Heavier projects may require a longer loan term or construction product.