Fix and Flip Loans Made Simple: A Guide for Real Estate Investors
Looking to turn distressed properties into profitable flips without jumping through traditional bank hoops? You’re in the right place! At Quanta Finance, we specialize in investor-first lending. That means making fast decisions, offering flexible terms, and having a deep understanding of what real estate investors truly need.
This guide walks you through how fix and flip loans work, who they’re for, and how to use them strategically to scale your investment business!
What Is a Fix and Flip Loan?
A fix and flip loan is a short-term real estate investment loan designed for one purpose: helping you turn distressed properties into profit.
Whether you’re taking on light cosmetic upgrades or full-scale renovations, this type of financing gives you the capital to move quickly and stay competitive in hot markets.
Here’s how it works:
- You find a promising property — maybe it’s a foreclosure, auction deal, or fixer-upper in a hot market.
- Quanta Finance helps you fund the purchase — with loan terms built around the project’s after-repair value (ARV), not your W-2s.
- Renovations begin fast — and you get draw disbursements along the way to keep crews moving.
- You sell, repay the loan, and pocket the upside — all without the frustrations of traditional bank financing.
Quanta Finance’s fix and flip loans are designed to keep you moving. We offer quick approvals, personalized loan structures, and a team that understands the realities of real estate investing.
Why Real Estate Investors Choose Quanta Finance
We’re not just another lender; we’re private capital partners. Our entire model is built around helping real estate investors move faster, with less friction and more control.
With over 6,500 loans originated and $3.6B+ in volume funded nationwide, we’ve helped thousands of investors scale their businesses.
What Sets Us Apart:
Speed: Loans can be approved and funded in as little as 5 days, so you can secure competitive deals before other investors
Flexibility: We tailor loans to your needs and offer flexible repayment options
Positioning: We work with both experienced and new investors in 42+ states
Rates: Save on financing with some of the most competitive rates in the market
This isn’t your first flip? Great! We can move even faster. Just getting started? We’ll guide you through our simple process and build a structure that supports your success.
Who Qualifies for a Fix and Flip Loan?
Fix and flip loans are designed for investors, by investors. If you’re planning to buy, renovate, and resell for a profit, you’re in the right spot!
You may qualify if:
- You’re purchasing through an LLC or other business entity
- You have some experience with real estate investing or renovations
- You have proof of liquidity
- You’re investing in a property with a strong after-repair value (ARV) and a clear exit strategy
We look beyond your credit score. Our common-sense underwriting means we evaluate the full scope of your deal, including your plan, project timeline, and renovation budget. If it’s solid, we’re ready to help you move fast!
Loan Terms You Can Expect
| Feature | Quanta Finance |
|---|---|
| Loan Amount | $100K to $20M (higher amounts for other projects) |
| Term Length | 6 to 18 months |
| Interest Rate | Interest-only |
| Loan-to-Cost (LTC) | Up to 90% or 100% |
| Loan-to-Value (ARV) | Up to 75% |
| Draw Schedule | Based on construction milestones |
| Fees | Transparent; no hidden fees |
| Prepayment Penalty | None |
| Turn Time | As quickly as 5 days |
We fund a wide range of project types from cosmetic updates to full gut renovations. For more intensive deals, explore our heavy rehab loan program.
Quanta Finance’s Fix and Flip Loan Process
1. Apply Online
Apply in less than a minute and get matched with your dedicated account manager.
2. Get Approved Fast
Our team reviews your deal and provides fast approvals. We understand that speed matters when you’re chasing competitive deals.
3. Close and Fund
Once approved, funding moves fast. You’ll get the capital needed to purchase the property.
4. Receive Draws
Receive funds in stages as you complete milestones. This keeps cash flowing and protects your upfront capital.
5. Flip and Exit
Sell the finished property, repay the loan, and move on to your next investment with profits in hand!
Fix and Flip vs. Rehab Loans
You’ll hear both terms used in the investment world, and while they overlap, they’re not quite the same thing. Understanding the difference can help you secure the right loan for your project goals.
- Fix and Flip Loans are specifically for short-term projects with one clear objective: buy, renovate, and resell for a profit—fast. These loans are ideal when the scope of work is moderate and the timeline is tight.
- Rehab Loans are a bit more flexible. You can use them for flips or rental properties, especially when the renovation is more extensive or involves structural work. If your exit strategy includes refinancing into long-term debt or holding the property as a rental, a rehab loan might make more sense.
Not sure which option is best for you? We offer both types of loans. And we’ll help you choose the structure that fits your timeline, budget, and end goal.
Investment Property Loans for LLCs
Most experienced investors flip properties under an LLC, and Quanta Finance is built to support that. In fact, all of our loans are structured for business entities, not individual borrowers.
Why invest through an LLC?
- Asset protection – Keeps personal and business finances separate
- Tax flexibility – Choose how profits are treated
- Professional credibility – More attractive to sellers and buyers
- Lender preference – Most private lenders (including Quanta Finance) prefer or require it
If you’re flipping in your name now, consider setting up an LLC before your next deal. We work with investors at every stage and can help guide you through this transition!
Tips for a Successful Flip
Fix and flip investing can deliver strong returns, but only if you go in with a smart, realistic plan. Here are a few tips for success:
- Run your numbers first
Always calculate ARV, repair costs, holding costs, and a minimum 10–20% profit margin. - Vet your contractors
Don’t just go for the lowest bid. Choose reliable crews who can stick to the timeline. - Don’t underestimate time
Even cosmetic flips can take longer than expected. Budget a buffer of 30–45 days. - Plan your exit
Will you sell? Refinance? Rent? Know the plan—and have a backup. - Move fast
Holding costs eat away at profits. A fast close and efficient rehab timeline gives you a major advantage.
And above all, work with a property lender who knows the fix and flip world inside and out. We move quickly, offer flexible options, and provide honest guidance—not red tape.
Frequently Asked Questions
Q: What is a fix and flip loan?
A: A fix and flip loan is a short-term loan designed to help real estate investors purchase, renovate, and resell a property for profit. These loans typically last 6 to 18 months and are tailored to fast-moving, value-add projects.
Q: How do I qualify for a fix and flip loan with Quanta Finance?
A: You may qualify if you’re investing through an LLC, have access to funds for the down payment, and are targeting a property with strong after-repair value (ARV). Experience helps, but isn’t required.
Q: Does Quanta Finance require good credit for approval?
A: Good credit is important, but it’s not everything. We take a holistic view of your deal—project viability, your experience, timelines, and property ARV all factor into the decision.
Q: How fast can Quanta Finance fund my deal?
A: Fast. Many deals are approved quickly and can close in as little as five business days.
Q: Do I need to complete renovations before I receive funds?
A: No. Renovation funds are distributed in draws, meaning you’ll receive funding in stages based on work completed.
Q: Can I apply for a loan online?
A: Yes! Our application takes less than a minute to complete. Once submitted, you’ll be connected with a dedicated account manager to walk you through the next steps.
Q: What’s the difference between a fix and flip loan and a rehab loan?
A: Fix and flip loans are short-term and ideal for quick resale. Rehab loans can be used for flips or rentals, especially when the renovations are more extensive or if you plan to refinance into long-term financing later.
Ready to Fund Your Next Flip?
If you’re sitting on a great deal or just getting ready to dive into your first project, we’re here to help. At Quanta Finance, we’re more than just experienced lenders—we’re strategic partners who understand what it takes to succeed in today’s real estate market.
Apply online or reach out today for fast, reliable fix and flip funding. We can’t wait to work with you!