Introduction
Fixing and flipping real estate can be one of the most profitable strategies for investors. But success often depends on one crucial factor—access to financing. Traditional banks can be slow, rigid, and quick to deny applications, which is why many investors turn to private lenders for fix and flip projects.
Private lenders offer speed, flexibility, and higher approval rates—helping small and mid-sized investors secure the funding they need to compete in today’s fast-moving real estate market.
👉 Apply Now for a Fix & Flip Loan
Why Work with a Private Lender for Fix and Flip Projects?
Unlike traditional banks, private lenders focus on the value of the property and the strength of your project plan, not just your financial history. This gives real estate investors a better chance at securing funding, even if they’ve been denied elsewhere.
Key Advantages of Private Lenders:
- Fast Approval: Most approvals within 7–10 business days.
- Flexible Terms: Options tailored to your project timeline.
- High Approval Rate: In 2024, Truss approved 81% of applicants, compared to nearly half denied industry-wide.
- Covers Purchase + Renovations: Finance both acquisition and rehab costs under one loan.
- No Credit Impact for Applying: Explore your options without risk.
How Fix and Flip Loans from Private Lenders Work
A Fix and Flip loan is short-term financing that provides investors with funds to:
- Acquire a property quickly without traditional mortgage delays.
- Cover renovation costs, whether cosmetic updates or full structural rehab.
- Boost property value for resale or long-term rental refinancing.
The goal is simple: help investors move fast, increase value, and exit profitably.
Loan Benefits with Truss Financial Group
When choosing a private lender, Truss Financial Group stands out with loan options designed specifically for real estate investors.
- Fast Approval: Close on deals quickly to outpace competitors.
- Flexible Terms: Loans structured around your project timeline, not rigid bank policies.
- Covers Purchase + Renovations: Streamline financing into a single loan.
- More Chances, More Choices: With access to over 90 lending sources, Truss gives investors unmatched flexibility.
- Proven Track Record: Approved 81% of applicants in 2024, compared to the industry’s 47% denial rate.
👉 Apply for Your Fix & Flip Loan Now
Eligibility Requirements
To qualify for a fix and flip loan through a private lender like Truss, you’ll need to meet certain requirements:
- Minimum credit score of 620
- Property must be non-owner-occupied
- Detailed renovation plan with budget breakdown
- Minimum loan amount of $100,000
- Proof of financial stability and repayment ability
- No bankruptcy filings in the past two years
- Real estate experience is helpful, but not required
What Makes Private Lenders Different?
Traditional banks often see fix and flip projects as “too risky.” Private lenders, however, take a more investor-friendly approach:
- Focus on the property’s potential rather than just credit history.
- Willingness to fund non-traditional investment types (multi-family, out-of-state, or distressed properties).
- Streamlined application processes that avoid unnecessary paperwork.
This makes private lenders the go-to choice for real estate investors looking to scale.
Common Questions About Private Lenders for Fix & Flip Projects
How fast can I get approved?
Most approvals happen within 7–10 business days, giving you the speed needed to lock in deals.
What are the interest rates?
Rates are competitive and vary based on your credit score, experience, and project specifics. Reach out for a personalized quote today.
Can I finance both the purchase and renovations?
Yes—Truss Financial Group’s Fix & Flip loans cover both acquisition and rehab costs, making financing simpler.
What if my project runs longer than expected?
Truss offers extension options. Contact them in advance to avoid penalties.
Final Thoughts
Working with private lenders for fix and flip projects can give you the speed, flexibility, and approval odds that traditional banks can’t match. Whether you’re flipping a single-family home, duplex, or multi-family property, financing is the backbone of your success.
That’s why partnering with a trusted private lender like can set your project up for maximum profitability.