Fix-and-Flip and Rehab Loans for Bay Area Investors
A fix-and-flip loan covers the purchase and renovation of a property you plan to resell or refinance. Capital Bridge Partners funds the purchase plus rehab costs in one loan, releases renovation draws as work is completed, and can close in as little as 3 days for experienced California investors. Renovation lending is our most common loan type.
The fix-and-flip loan process, step by step
Inquiry. Send us the address, purchase price, renovation budget and your after-repair value.
Terms. We review the deal and issue terms, often the same day.
Underwriting and title. We confirm value, scope and title in parallel, typically 2 to 5 days.
Funding. We close through escrow and fund the purchase. Rehab funds are released in draws as each phase is finished.
Exit. You sell or refinance and pay off the loan. Terms run 12 to 24 months, so there is room for a realistic timeline.
Rehab loan vs. construction loan
A rehab or fix-and-flip loan is for cosmetic to moderate renovations on an existing structure, with a resale or refinance exit. A construction loan is for ground-up building or heavy structural work. If your project involves new square footage, foundation work or a full rebuild, see our construction loans.
What we look at
Loan-to-value and location come first. We favor mainstream property in metropolitan areas with an active resale market, and we want to understand your scope of work, your budget and your exit. Credit matters less than the asset and the plan: borrowers with impaired credit, stated income or a recent bankruptcy can qualify.
Recently Funded
$2,625,000 acquisition loan, Single Family Residence (SFR): San Rafael, CA
$740,000 acquisition loan, Mixed-Use: San Francisco, CA
$520,000 acquisition loan, Industrial: Lakeport, CA
See all recently funded loans.
Terms at a glance
Loan amount: $100,000 to $12,000,000
Term: 12 to 24 months
Interest rate: Starting at 10.99%
Renovation costs: Funded, released in draws
Closing timeline: As fast as 3 days; typically 3 to 7 business days
Where we lend: California, with an emphasis on the Bay Area
Frequently asked questions
Will you fund renovation costs? Yes. It is very common for us to fund not only the purchase but the renovation budget as well.
Do I need experience? Experience helps with speed and leverage, but we evaluate every deal on the property, the plan and the equity.
What areas do you lend in? All of California, with the most activity in San Francisco, the Peninsula, the East Bay, the South Bay, Marin and Sonoma.
Start your fix-and-flip inquiry
Get Funded or call 415-820-4770.