Hard money for Fix and Flips.
BRRRR (Fix-to-rent) single-close loans.
DSCR loans.
Ground-up construction loans.
Business Loans.
And several other Non-QM loan structures.

Simply fill out the Pre-Aproval form today and we will discuss the options that will be best for your situation while on the phone.

A hard money loan is a short-term, real estate-backed loan often used by investors for fix and flip projects. Unlike traditional mortgages, private money loans from hard money lenders for fix and flip focus more on the property’s purchase price, renovation scope, and potential after-repair value (ARV) rather than the borrower’s credit score. Flip Accelerator specializes in providing hard money financing with quick approvals (about one hour) and the ability to close deals in 5–10 days. This makes us an ideal choice for investors seeking fix and flip financing to purchase, renovate, and sell properties swiftly.

To apply for a hard money loan, follow these steps:
Submit an online application or contact us by phone. (719) 201-8 9 6 7
Provide necessary documentation (purchase agreement, renovation plan, ARV analysis, financial information).
Receive approval within about an hour.
Close the loan in as few as 5–10 days.

Flip Accelerator is committed to making the hard money loan application process quick and straightforward for fix and flip investors.

Flip Accelerator can typically approve your fix and flip loan in about an hour after our intital conversation. Closing typically occurs within 5–21 days, significantly faster than traditional bank financing and most other lenders.

Fix and flip loan requirements typically include:
Minimum credit score of 640
10–15% deposit on the purchase price
Detailed renovation plan and budget
After-repair value (ARV) analysis
Proof of property purchase agreement
Basic financial information

These requirements help us assess the viability and profitability of the project. If you don't meet one of these requirements, call us so we can see how we can get you into your next deal anyways.

Flip Accelerator typically requires a minimum credit score of 640. While higher scores may qualify you for better rates or more favorable terms, we focus more on the deal’s strength (property value, rehab plan) than solely on your credit score. Though if your credit score is lower, call us. We have a few flexible options that work for lower credit scores if the deal is low enough risk.

Interest rates from Flip Accelerator generally range from 9.5% to 13%. The exact rate depends on factors such as the deal’s complexity, location, your investment experience, credit scores, and current market conditions.

LTC (Loan-to-Cost) measures the percentage of the total project cost (purchase price + renovation expenses) that a lender is willing to finance.

Flip Accelerator’s maximum LTC can go up to 95%, meaning you may only need to cover 5% of the total project costs. Most lenders can not compete with that high of an LTC.

LTV (Loan-to-Value) measures the ratio of the loan amount to the property’s current or after-repair value.
Flip Accelerator’s maximum LTV is 75%, ensuring a solid profit for our investors and a safe equity cushion for us in case the deal goes south for unexpected reasons.

Flip Accelerator typically requires a 5% down payment of the purchase price, depending on your experience and the specific deal. Experienced investors with a track record may qualify for 10% down payments.

Flip Accelerator uses the infamous draw system. After completing a phase of work, you submit a request for inspection. Once approved, the lender releases the next portion of the rehab funds.