Flexible Fix and Flip Financing Services in the US
Mid-America Commercial Lending stands among the best fix and flip lenders in the USA, with programs up to 85% purchase price and 100% renovation costs. Our real estate investor funding ensures new and seasoned investors have access to the leverage needed to flip, refinance, or expand with confidence.
Fix & Flip Capital for First-Time Investors Who Need Speed
Every investor knows the best deals do not sit on the market for long. A house in foreclosure, a property stuck in probate, or a dated duplex in a growing neighborhood can disappear in days. Fix-and-flip financing in the US gives you the power to act before someone else does.
General contractors use it when they come across properties that need structural repairs or cosmetic makeovers, but cannot wait months for bank approvals. Local developers rely on it to transform vacant homes into livable spaces that quickly resell in competitive markets.
Real estate agents often find clients who want to partner on flips but lack the upfront capital. Real estate investor funding in the US fills that gap, letting agents turn overlooked listings into high-value closings. Property managers use it when upgrading rentals before the busy leasing season so they can increase rents without eating into reserves.
First-time investors especially benefit, because fix and flip loans allow them to secure a project, fund renovations, and exit with profit, even without years of credit history or large savings.
In every case, the need is urgent. Opportunities arise without warning, and missing one can cost thousands in future returns.
Fix and flip financing services in the US are designed for these exact situations!
A Fix-and-Flip Loan Provider Company in the USA With a Ground-Level Approach
Every property deal looks good on paper, but the reality feels different once work begins. Contractors demand deposits before swinging a hammer, suppliers raise prices after orders are placed, and unexpected repairs hide behind old walls. Investors often find themselves juggling tight deadlines with half-finished kitchens or empty lots waiting for concrete that cannot be poured without funds.
Traditional banks rarely step in fast enough. That is why we focus on real scenarios where financing makes or breaks the outcome. A straight acquisition through a fix-and-flip loan is often the only way to lock in a property before a competitor moves.
Acquisition and rehab loan keeps projects moving when contractors threaten to walk away unless payments are made on time. With a refinance, investors trapped in high-cost loans get financial space so they can still protect margins.
Cash-out programs free equity that would otherwise sit in unfinished structures, and give investors the ability to take on the next deal without waiting months for a closing.
Our role as a fix-and-flip loan provider company in the USA is not simply to supply capital but to keep projects alive through the rough spots that test investors the most. Deals stall for many reasons; funding should never be one of them.
Residential Fix and Flip (Rehab Cash Now)
When you spot a property that can turn a strong profit, waiting on slow approvals is not an option. Our Rehab Cash Now program helps investors move quickly with terms that actually fit real deals. Financing starts at $50,000 and stretches up to $2.5 million, which gives flexibility for both smaller flips and larger projects.
Investors can access up to 85% of the purchase price, refinance up to 65%, or take cash out at 50% when equity is locked in. These numbers matter because they free up working capital and keep projects moving forward.
Property types are limited to non-owner-occupied one to four-family residential homes, which remain the backbone of most profitable flips.
Credit hurdles should not stop a good deal, so there is no set minimum FICO requirement. If the property makes sense, we work with you to get it funded. With a straightforward twelve-month term, you can buy, renovate, and sell without feeling trapped by inflexible timelines.
Our programs are also designed with fix & flip capital for first-time investors who want to enter the market quickly and prove themselves with successful projects.
Residential Fix and Flip with ARV Advantage
Investors often face two big hurdles with house flips. The first is finding enough upfront capital to cover both purchase and renovation. The second is keeping terms flexible enough to make the project profitable. Our Residential Fix and Flip with ARV financing solves both.
You can secure funding for properties starting at $75,000 and reaching up to $2.5 million. Terms run for 12 months, which gives enough time to buy, renovate, and sell without pressure.
Loan-to-value goes up to 85 percent of the purchase price and covers up to 100 percent of renovation costs, as long as the total remains under 75 percent of the after-repair value. This means you keep more of your own cash while putting the property in top market shape.
The program works on non-owner-occupied 1 to 4-family residential properties. With a minimum FICO of 600, more investors qualify without getting trapped by the rigid rules of traditional lenders.
For those committed to scaling their flipping strategy, this option of fix and flip financing in the US creates space to act fast, improve properties, and walk into closing with stronger returns.
Residential Buy and Hold
Investors often look at rental properties as a steady way to build wealth. Our Residential Buy and Hold program is built with that in mind. Terms run up to 18 months, which gives you breathing room to stabilize cash flow or prepare for long-term financing.
Loan amounts start at $50,000 and stretch beyond $2,500,000.
We fund up to 85 percent of the purchase price, up to 65 percent for a refinance, and up to 50 percent on cash-out options. That flexibility lets you unlock equity when needed or simply expand a portfolio without draining reserves.
Property eligibility covers non-owner-occupied one to four-family residences, which keeps the focus on true investment opportunities rather than personal use.
Credit history does not block the door here either. With no set minimum FICO required, first-time buyers and seasoned landlords both gain access to capital when traditional lenders hesitate.
For anyone serious about building passive income, this program works as a bridge between a new deal and a long-term hold strategy!
Loan Programs
And here’s the absolutely best part of this program. Once you have repaid 50% of the advance you can make a simple phone call to re-borrow the paid amount. It’s by far the quickest and easiest way to get cash short of going to your own ATM.
Residential Fix and Flip (Rehab Cash Now)
- Term: 12 Months
- Loan Amount: $50K to $2.5M+
- LTV: Up to 85% of the purchase price; Up to 65% Refinance; Up to 50% Cash-Out
- Property Types: Non-owner occupied 1-4 family residential
- FICO: No set minimum
Residential Fix and Flip (ARV)
- Term: 12 Months
- Loan Amount: $75K to $2.5M+
- LTV: Up to 85% of the purchase price; Up to 65% Refinance; Up to 50% Cash-Out
- Property Types: Non-owner occupied 1-4 family residential
- FICO: No set minimum
Residential Buy and Hold
- Term: 18 Months
- Loan Amount: $50K to $2.5M+
- LTV: Up to 85% of the purchase price; Up to 65% Refinance; Up to 50% Cash-Out
- Property Types: Non-owner occupied 1-4 family residential
- FICO: No set minimum
SBA loans are also highly versatile — funds can be used for launching a business, expanding operations, refinancing debt, buying property, or acquiring another company. This flexibility ensures the program can adapt to your specific needs.
SBA loans are also highly versatile — funds can be used for launching a business, expanding operations, refinancing debt, buying property, or acquiring another company. This flexibility ensures the program can adapt to your specific needs.
Why Choose the Debt Restructuring
In the construction industry, having the right equipment at the right time can mean the difference between meeting deadlines and falling behind. Construction Equipment Financing offers a smart, strategic way to secure the machinery you need without the strain of large upfront costs.
One of the primary reasons to choose this option is cash flow preservation. Rather than tying up valuable capital in a single purchase, financing allows you to spread costs over manageable monthly payments, keeping funds available for other critical areas like payroll, materials, and new business opportunities.
This approach also gives you access to high-quality, modern equipment that can improve efficiency, safety, and project turnaround times. Whether you need excavators, cranes, loaders, or specialized tools, financing ensures you can get the best equipment without compromising your budget. With flexible terms and competitive rates, you can select repayment options that align with your project timelines and seasonal cash flow patterns. For businesses that operate on a project-by-project basis, this adaptability is invaluable. Financing also opens the door to upgrades and scalability. This approach also gives you access to high-quality, modern equipment that can improve efficiency, safety, and project turnaround times.