Fix & Flip Loans
Fund the Purchase and the Rehab. Close in 7 Days.
Winning flips are won at the offer. When you can close in 7 days with financing that covers acquisition and renovation, you beat every buyer waiting on a bank — and sellers know it.
Capital Direct Funding is a direct lender. We fund our own deals, approve in-house, and have financed California flips since 2009 — over $200M deployed across 500+ transactions.
Program Parameters
Fix & Flip Loans
Short-term financing for property acquisition and renovation. Get in, renovate, and sell for a profit with fast capital at your side.
Deals We Fund
Built for How Flippers Actually Buy
Every flip has a clock on it. These are the situations where our capital wins deals.
Auction & Trustee Sale Purchases
You found the deal at auction but the payment deadline doesn't wait for bank underwriting. We close on auction timelines so you never forfeit a deposit — or a deal.
Off-Market & Wholesale Contracts
Your wholesaler gave you 10 days to close. Conventional financing can't touch that. We underwrite the asset and the exit, issue terms fast, and fund inside your contract window.
Heavy Rehab Projects
Cosmetic flips are easy money — the margin is in the heavy lifts. We fund up to 75% of after-repair value with structured rehab draws, so your capital stays free for the next deal.
First-Time Flippers With a Strong Deal
No track record yet? We underwrite the deal first — purchase price, scope, comps, and exit. A strong project with real margin can stand on its own.
Multiple Concurrent Projects
Banks cap how many projects they'll finance. We look at each deal on its merits, so experienced flippers can run several projects at once without hitting an arbitrary ceiling.
Mid-Project Refinance & Rescue
Your current lender stalled, the project ran long, or a partner needs out. We refinance mid-project so you can finish the rehab and protect the profit you've already built.
The CDF Difference
Why Flippers Work With CDF
Interest-only payments keep carry costs down while you renovate
No prepayment penalty — sell early and keep the difference
Rehab draws released on your schedule, not a committee's
Direct lender: the person who approves your loan answers your call
How It Works
From First Call to Funded in 4 Steps
A streamlined process built to close in as few as 7 business days.
Apply
Submit your loan inquiry online or by phone. We respond within 24 hours with an initial assessment and preliminary terms.
Underwrite
Our team evaluates the property and deal structure. We order the appraisal, title, and complete our due diligence.
Approve
Receive your commitment letter and clear closing conditions. We work with your escrow and title to prepare for funding.
Fund
Sign documents and receive your funds. We close in as few as 7 days from completed application. Fast, simple, done.
Common Questions
Fix & Flip Loan FAQs
How fast can a fix & flip loan close in California?
In as few as 7 business days from a completed application. Capital Direct Funding is a direct lender — we underwrite in-house, order appraisal and title immediately, and don't wait on committee approvals.
What does 75% ARV mean for my loan amount?
We lend up to 75% of the after-repair value — the appraised value of the property once your renovation is complete, not just the purchase price. On the right deal, that can cover most of the acquisition and the full rehab budget.
How do rehab draws work?
Your renovation budget is funded through structured draws tied to completed work. Finish a stage, request the draw, and funds are released — keeping the project moving without tying up your own cash.
Do I need flipping experience to qualify?
Experience helps, but we underwrite the deal first: purchase price, renovation scope, comparable sales, and exit strategy. A strong project with real margin can qualify on its own merits.
Is there a prepayment penalty if I sell quickly?
No. Fix & flip loans have no prepayment penalty — if your project sells in month four of a twelve-month term, you pay interest only for the time you used the money.
What are the rates and terms on fix & flip loans?
Rates start at 9.99% with terms of 6 to 18 months and loan amounts from $100K to $3M. Every quote is deal-specific — call (626) 796-1680 and we'll give you preliminary terms within 24 hours.
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Tell Us About Your Deal
One call gets you a straight answer and preliminary terms within 24 hours. If we can't do the deal, we'll tell you that too — fast.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms shown are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831