Requity Lending813.502.0197

Fix & Flip / Residential Bridge Loans

Fix & flip loans that close in as fast as 72 hours

Direct lending for residential investors. Firm terms in 24 hours with no credit pull, no income docs, and rehab draws that keep your project moving.

  • Up to 90% of purchase plus 100% of your rehab budget
  • Term sheet in 24 hours, no credit pull required
  • No income docs. We underwrite the deal, not your W-2.

Get your terms in 24 hours

No credit pull. No documents. No obligation.

No credit pullTerm sheet in 24 hoursNever shared
$100K - $5M
Loan Size
Up to 90%
LTC
Up to 75%
Max ARV
Starting at 9%
Rate
6 - 18 Months
Term
As Fast as 72 Hours
Closing
100% of Budget
Rehab Funding

How It Works

Deal to closing table in three steps

01

Tell us about your deal

Thirty seconds, four fields. No credit pull, no documents, no commitment. A loan officer calls you back within one business hour.

02

Firm terms in 24 hours

A real underwriter reviews your deal and delivers a term sheet within one business day. What we quote is what we close.

03

Close in as fast as 72 hours

In-house underwriting and no committees. Win REO, auction, and off-market deals that require speed and certainty.

Why Requity

Built for investors who move fast

Requity is a vertically integrated real estate firm. We buy, renovate, and operate our own properties, so we underwrite your deal like investors, not like a bank reviewing paperwork.

72-Hour Close Advantage

The best flip deals go fast. REO listings, auction properties, and off-market opportunities require proof of funds and a lender who can close on your timeline. We deliver term sheets in 24 hours and fund in as fast as 72 hours.

Simple Rehab Draw Process

Request a draw, schedule the inspection, and receive funds within 2-3 business days of approval. No complicated paperwork, no waiting weeks for reimbursement. Your renovation stays on schedule because your capital does too.

Flexible Exit Options

Sell the property and pay off the loan at closing, or pivot to a BRRRR strategy and refinance into a long-term DSCR rental loan. Your business plan can evolve mid-project.

The Difference

How we compare

RequityBanksTypical Hard Money
Time to closeAs fast as 72 hours45 - 90 days10 - 21 days
Max loan-to-costUp to 90%70 - 75%80 - 85%
Rehab budget financed100%Rarely offeredVaries
Income documentationNoneFull docVaries
Term sheet turnaround24 hours, no credit pull2 - 4 weeks3 - 7 days
Who you deal withThe direct lenderLoan committeeOften a broker

Deal Types

Every flip strategy has a loan to match

Cosmetic Flips

Paint, flooring, fixtures, and curb appeal. Fast-moving deals with lower budgets and shorter holds, ideal for newer investors building a track record.

Full Gut Renovations

Kitchens, bathrooms, layout changes, roof, electrical, and plumbing. Bigger budgets, longer timelines, and significantly more profit potential.

REO & Auction Acquisitions

Compete with cash buyers. Proof of funds and a 72-hour close let you win bank-owned and auction deals while preserving capital for the rehab.

BRRRR Strategy

Buy, rehab, rent, refinance, repeat. Bridge financing covers acquisition and rehab, then refinances into a DSCR rental loan for the long-term hold.

Estate & Probate Acquisitions

Inherited properties often sell below market but need updates and a fast, certain close to satisfy estate timelines and multiple heirs.

Multi-Property Portfolios

Running multiple projects? Structure a single facility across several properties: one set of docs, consolidated draws, streamlined underwriting.

FAQ

Fix & flip loan questions

We can close fix and flip loans in as fast as 72 hours from signed term sheet. Most residential bridge deals close within 72 hours to 14 business days. We deliver term sheets within 24 hours of receiving a complete deal package, and there is no credit pull required to receive a term sheet.
Requity Lending provides fix and flip loans from $100,000 to $5,000,000. We lend up to 90% of the total project cost (purchase price plus renovation budget) and up to 75% of the after-repair value (ARV). The rehab portion of the loan is funded at 100% of the approved renovation budget and released through a draw process as work is completed.
Fix and flip loans start at 9% interest-only with origination points and standard closing costs. Interest is calculated only on the drawn balance, so you do not pay interest on rehab funds until they are released.
Prior flip experience is helpful but not required for every deal. First-time flippers can qualify with a strong deal, adequate reserves, and a realistic renovation plan. Borrowers with a track record of completed flips will typically receive better terms, higher leverage, and faster approvals.
No. Fix and flip loans are business-purpose loans underwritten on the deal itself: the purchase price, the rehab plan, and the after-repair value. There are no W-2s, tax returns, or debt-to-income calculations.
After closing, you complete renovation work in phases and submit draw requests through our portal. A third-party inspector verifies the completed work, and funds are released within 2-3 business days of a successful inspection. You can submit draws at any point during the project as work milestones are completed.
Requity Lending provides fix and flip financing nationwide. We evaluate each deal based on the local market, comparable sales, the property condition, and the borrower's renovation plan. Urban, suburban, and select rural markets with strong resale demand are all eligible.
Yes. If your business plan changes mid-project and you decide to hold the property as a rental, you can refinance out of the bridge loan into a long-term DSCR rental loan once the renovation is complete and a tenant is in place.

Get Started

Your next flip is waiting on an answer

Thirty seconds to submit. Twenty-four hours to firm terms. No credit pull, no documents, no commitment.

Get My TermsCall 813.502.0197
Get My Terms in 24 Hours