Financing for Property Flippers | Fix & Flip Loans | Matrix Commercial Capital
Fix & Flip Financing

Fast Capital for Property Flippers

Buy, renovate, and sell for profit. We provide the capital you need to move fast, beat the competition, and maximize your returns on every flip.

Close in 7-14 Days
Up to 90% LTC
No Income Docs

We Fund Every Stage of Your Flip

From acquisition to sale, we've got you covered at every step of the journey.

Find & Acquire
Renovate
List & Sell
Profit & Repeat
House for sale Step 1

Find & Acquire the Property

Move fast when you find a deal. Our quick approvals and fast closings help you beat out other buyers—including cash offers.

85%
Purchase Price
7 Days
Fastest Close
24 Hrs
Approval
Finance up to 85% of purchase price
Compete with cash buyers on speed
Properties in any condition
Property renovation Step 2

Renovate & Add Value

We fund your rehab costs too. Draw funds as you complete work, and our team moves fast on inspections so you're never waiting.

100%
Rehab Financed
48 Hrs
Draw Funding
75%
Max ARV
Finance 100% of rehab costs
Fast draw inspections (48 hours)
In-house draw management
Renovated home for sale Step 3

List & Sell for Profit

Once your renovation is complete, list the property and sell. Our 12-month terms give you plenty of time to execute and sell at the right price.

12 Mo
Loan Term
$0
Prepay Penalty
Flexible
Extensions
No prepayment penalties
Extensions available if needed
Interest-only payments during term
Profit and success Step 4

Collect Profit & Repeat

Sell, pay off the loan, pocket your profit, and do it all over again. As a repeat borrower, you'll enjoy even faster approvals and better terms.

Faster
Repeat Approvals
Better
Terms
No Limit
On Flips
Repeat borrower benefits
Dedicated account manager
Scale your flipping business

Flip Profit Calculator

Estimate your potential profit on your next fix & flip project.

Purchase Price $200,000
Rehab Budget $50,000
After Repair Value (ARV) $325,000
Hold Time (Months) 6

Estimated Net Profit

$42,750

After all costs

After Repair Value $325,000
Purchase Price -$200,000
Rehab Costs -$50,000
Financing Costs (Est.) -$15,000
Selling Costs (6%) -$19,500
Net Profit $42,750
85% Return on Investment

Why Flippers Choose Matrix

We understand flippers because we've flipped properties ourselves.

Speed That Wins Deals

Close in as little as 7 days. When a deal hits the market, you can move faster than cash buyers with our pre-approval in hand.

High Leverage = Less Cash

Up to 90% of total project cost financed. Keep more cash in your pocket for multiple flips instead of tying it up in one project.

No Income Verification

We don't need your tax returns or W-2s. We qualify based on the deal and your experience—not your personal finances.

No Prepayment Penalties

Sell the property and pay off the loan anytime without penalties. Your profit is your profit.

Fast Draw Process

Request a draw and get funded within 48 hours. We don't slow down your project with lengthy inspection delays.

Repeat Borrower Perks

The more you flip with us, the better your terms. Dedicated account manager, faster approvals, and preferred pricing.

Fix & Flip Loan Programs

Choose the program that fits your project and experience level.

Cosmetic Rehab

Light renovation projects

95%
LTC
75%
ARV
No experience required
Non-structural work only
12-month term

Structural Rehab

Full gut renovations

90%
LTC
75%
ARV
2 projects in 36 mo. required
Full gut rehabs eligible
12-month term

Hard Money

Maximum speed & flexibility

75%
LTV
7 Days
Close
Fastest closing option
Any property condition
Credit flexible

What Flippers Say

Real feedback from real flippers.

"I've done 8 flips with Matrix in the past 18 months. They're faster than anyone else I've worked with, and the draw process is seamless. I wouldn't use anyone else."

MR

Marcus Rodriguez

Full-Time Flipper • 23 Completed Flips

"As a new flipper, I was nervous about getting financing. Matrix made it easy—no experience required on my first deal, and they walked me through the whole process."

SK

Sarah Kim

Part-Time Flipper • 4 Completed Flips

Ready to Fund Your Next Flip?

Get pre-approved in 24 hours. Close in as little as 7 days.

Get Started Today
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