The best flips come down to two things: finding the right property and funding it fast. A fix and flip loan from Bentley gives value-add investors the capital to buy, renovate, and profit — with rehab draws that keep your project moving from purchase to payday.
What Is a Fix and Flip Loan?
A fix and flip loan is short-term financing that covers both the purchase and the renovation of an investment property. Instead of draining your own cash into a rehab, the loan funds the acquisition and releases renovation money in stages as the work gets done. When the finished property sells or refinances, the loan is repaid.
This structure is built specifically for flippers and value-add investors who buy distressed or underpriced homes, improve them, and capture the difference between purchase price and after-repair value (ARV).
How draws work: Rehab funds are released in stages. As you complete portions of the renovation and they're verified, the next draw is released — so your project stays funded without tying up all your capital up front.
Why Investors Choose Fix and Flip Financing
Flipping is a speed game. The faster you buy, renovate, and sell, the better your return. Fix and flip loans are designed to keep every stage moving.
- Acquisition + rehab in one loan — fund the purchase and the renovation together.
- Draw-based rehab funding — money released as work completes, protecting your cash flow.
- Based on ARV — leverage the property's finished value, not just today's price.
- Fast approvals — move quickly on competitive deals.
- Short-term structure — built around a quick flip and clean exit.
Who Fix and Flip Loans Are For
Whether you're flipping your first house or running multiple projects at once, fix and flip financing is built for value-add investors. You're a strong fit if you:
- Buy distressed or underpriced properties to renovate and resell
- Want to preserve your own cash by financing the rehab
- Need acquisition and renovation capital under one loan
- Are scaling from one flip at a time to several concurrent projects
- Value speed and a lender who understands the flip timeline
Understanding ARV and Your Numbers
ARV — after-repair value — is the foundation of every flip. It's the estimated value of the property once renovations are complete, and it determines how much a lender will advance on the project. A disciplined investor builds the deal around conservative ARV estimates, a realistic rehab budget, and a clear resale strategy. We help you pressure-test those numbers so the deal works before you commit.
Common Fix and Flip Mistakes to Avoid
Even great deals can go sideways without discipline. The most common mistakes flippers make are underestimating the rehab budget, over-improving for the neighborhood, and being too optimistic on ARV. A realistic budget with a contingency, renovations that match buyer expectations for the area, and conservative resale numbers are what separate consistent profits from costly lessons. The right financing partner helps you stay grounded by stress-testing the deal before you commit.
How the Fix and Flip Loan Process Works
Getting funded with Bentley is simple. Submit a scenario with the property, your purchase price, rehab budget, and projected ARV. We review every deal personally — no automated rejections — and aim to return a decision within 48 hours, then move quickly toward closing so you can start the rehab.
Throughout the project, draws keep your renovation funded as milestones are met. When the property is ready, you sell or refinance, repay the loan, and move on to the next deal — with a lending partner ready to fund it.
Ready to fund your next flip? Submit your deal today and get a decision within 48 hours. We move at the speed of real estate.
