Make your offer as strong as cash — and close just as fast.
A fix and flip loan from Abo Capital is short-term, business-purpose financing for real estate investors buying, renovating, and reselling or refinancing residential property. Qualify on the strength of the deal — not your tax returns — finance most of your purchase price plus the rehab in one loan, and close fast and reliably so sellers take your offer as seriously as a cash buyer’s.
Fix and flip loan terms at a glance
93%
of total project cost — purchase + renovation
~75%
of the after-repair value (ARV)
$10M+
maximum loan amount
Mid-600s
minimum credit score
6–24 mo
short-term, interest-only
0 flips
required to start — first-timers welcome
All figures shown are maximums, with exceptions considered on a case-by-case basis. Final terms are quoted per deal and depend on the property, the project, and your experience.
How a fix and flip loan works
Instead of qualifying on personal income, a house flipping loan is underwritten on the property and the project. Financing is based largely on the after-repair value (ARV) — what the home will be worth once the work is done. You draw renovation funds as the work is completed, make interest-only payments during the project, and pay the loan off when you sell or refinance, usually within 6 to 24 months.
How the money works
Short-term and interest-only. Draw rehab funds as the work completes, then exit by sale or refinance — typically in 6 to 24 months.
First-time flippers welcome
You don’t need a track record to fund your first project. We have programs built for first-time investors as well as seasoned operators — experience simply unlocks higher leverage. Whether this is your first flip or your fiftieth, we’ll structure the financing around the deal in front of you.
Ready to fund your next flip?
Get a fast read on your deal — no tax returns required.
Fix and flip loan FAQs
How does a fix and flip loan work?
It’s short-term financing that covers up to 90% of your purchase price and 100% of your renovation costs, based largely on the property’s after-repair value. You draw funds for the rehab as work is completed, make interest-only payments during the project, and pay the loan off when you sell or refinance — usually within 6 to 24 months.
Can a first-time investor get a fix and flip loan?
Yes. Programs are available with no prior flip experience required — first-time investors can qualify, typically with a bit more cash in the deal, while experienced investors unlock the highest leverage.
How much of the renovation is covered?
Financing is structured on total project cost (purchase plus rehab) and the after-repair value, so a large share of your renovation budget can be financed and drawn as the work progresses.
What credit score do I need for a fix and flip loan?
Programs are available with credit scores starting in the mid-600s. Because these are business-purpose loans secured by the property, the strength of the deal carries more weight than it would on a traditional mortgage.
Is a fix and flip loan the same as a hard money loan?
They overlap. A fix and flip loan is a type of short-term, asset-based (“hard money”) financing built specifically for buying and renovating investment property — underwritten primarily on the property and the project rather than personal income.