For more than 40 years, Market Capital Lending has helped real estate investors move fast on fix-and-flip deals — part of the $375 million+ we've funded for our clients. We've backed investors from metro Atlanta to markets nationwide across 46 states, structuring capital around the project and the timeline. It's a space we know well. And as a veteran-owned business, we bring straight advice, relentless advocacy, and a put-you-first approach to every deal. Below, here's how fix-and-flip financing works — and how we can help you get funded quickly.
Capital that moves as fast as your deals
Fix-and-flip financing is purpose-built for investors who acquire distressed or undervalued properties, renovate them, and sell for a profit. The loan covers the purchase and frequently a share of the renovation budget — giving you the capital to execute without tying up all your own cash. These are short-term loans; the exit is the sale. And because speed wins deals in this space, we work with lenders who understand rehab projects and can commit fast. If you'd rather hold and rent the finished property instead of selling, we can also point you toward DSCR rental-property financing or a bridge loan as an exit.
Who it's for
Fix-and-flip lending rewards execution. Lenders want to see that you understand the renovation process, have a realistic budget, and have a clear plan to sell the finished product. First-timers aren't automatically excluded — but a strong project plan and credible numbers go a long way. Good candidates include experienced flippers scaling their volume, investors moving on a time-sensitive purchase, and buyers who've found an undervalued property with real upside after renovation.
How lenders size the loan
Fix-and-flip underwriting centers on the after-repair value (ARV) — what the property will be worth once the renovation is complete. Lenders evaluate the purchase price, the scope and cost of the work, your experience, and the strength of the local resale market. We work with lenders who specialize in this asset class, know how to assess a rehab accurately, and can move quickly to fund it. New to this? Our step-by-step guide on how to get a fix-and-flip loan walks through the loan types, requirements, and draw process, and our fix-and-flip loans for beginners guide covers first-timer and bad-credit options. (Rates, terms, and leverage vary by project, experience, and underwriting.)
Why investors choose Market Capital Lending
Speed and the right lender are everything in this business, and as a broker with a network of 40–50 lenders, we can match your project to a lender built for it — instead of forcing it through a bank that doesn't do rehab loans. Pair that with 40+ years of experience, $375M+ funded, and a veteran-owned commitment to advocating for your deal, and you have a partner who helps you close and get to your next project. Ready to move? Start your application — it only takes a few minutes.
Fix-and-flip financing in your market
We fund fix-and-flip projects in 46 states, with most of our business in Georgia, Alabama, and Florida — especially within about an hour of our Loganville office. Searching close to home? See fix-and-flip loans in Atlanta, in Alpharetta, or financing across Georgia.
Flexible payment structures
Renovation and heavy-rehab projects run tight on cash, so we offer flexible structures on these loans: choose deferred or monthly payments, and finance your origination points and fees into the loan to keep more cash at closing for the rehab itself. Available on purchase, refinance, rate-and-term, and cash-out transactions.
Frequently asked questions
What does a fix-and-flip loan cover?
The purchase price and, in most cases, a portion of the renovation costs — so you can acquire and rehab the property without tying up all your own capital.
How is the loan amount determined?
Mainly on the after-repair value (ARV) — the property's projected worth once renovations are finished — along with the purchase price, renovation budget, your experience, and the local resale market.
Can first-time flippers get financing?
Often, yes. Experience helps and lenders look for it, but a credible project plan, a realistic budget, and solid numbers can carry a first project.
How fast can you close?
These loans are built for speed. Because we work with lenders who specialize in rehab projects, we can move quickly — a real advantage when a good deal won't wait.
What happens at the end of the loan?
The typical exit is the sale of the renovated property. If you'd rather keep it as a rental, we can help you refinance into longer-term financing instead.
Where do you lend?
We arrange fix-and-flip financing in 46 states. Most of our clients are in Georgia, Alabama, and Florida, concentrated in the metro-Atlanta and Loganville-area markets.