Introduction
House flipping has long been popular, but a growing number of investors are turning their attention to commercial properties—retail spaces, small office buildings, mixed-use developments, and warehouses. These properties can yield higher profits, but they also require larger capital outlays.
That’s where Fix and Flip loans for commercial properties come in.
At Truss Financial Group, investors can access fast, flexible funding to purchase and renovate commercial real estate, positioning themselves for strong returns in 2025 and beyond.
What Are Fix and Flip Loans for Commercial Properties?
A Fix and Flip loan is short-term financing designed to help investors purchase a property, renovate it, and resell quickly. While these loans are often associated with single-family homes, they can also be applied to commercial properties.
With commercial Fix and Flip loans, you can:
- Acquire undervalued properties like retail spaces, multi-tenant offices, or mixed-use developments.
- Finance renovations to increase value and appeal.
- Exit profitably through resale or refinancing once the property is stabilized.
Why Choose a Fix and Flip Loan for Commercial Projects?
1. Fast Approval
Commercial deals move quickly, and hesitation can mean losing out. With Fix and Flip loans, approvals often take just 7–10 business days.
2. Flexible Terms
Every commercial project has unique challenges. Loan terms typically range from 6–18 months, giving you time to renovate and sell.
3. Covers Both Purchase and Renovations
Unlike traditional financing, a Fix and Flip loan can cover both the property acquisition and the renovation costs in one package.
4. Leverage Higher Profit Potential
Commercial properties often yield larger spreads than single-family homes, making them appealing for experienced and ambitious investors.
Eligibility Requirements for Commercial Fix and Flip Loans
To qualify for a commercial Fix and Flip loan in 2025, you’ll need to meet the following requirements:
- Minimum Credit Score: 620
- Non-Owner-Occupied Property: Must be an investment, not your personal residence
- Detailed Investment Plan: Including renovation budget and timeline
- Proof of Financial Stability: Documentation of income, assets, and repayment ability
- Loan Amount: Minimum of $100,000
- Bankruptcy History: No filings within the past two years
- Experience: Preferred, but first-time investors can still qualify with a solid plan
Step-by-Step: How to Secure a Commercial Fix and Flip Loan
- Identify a Target Property
Look for undervalued or distressed commercial buildings with strong resale or rental demand. - Prepare a Renovation Plan
Include costs for structural upgrades, tenant improvements, and cosmetic updates. - Apply for Financing
At Truss Financial Group, you can start without documents, no commitment, and no credit impact. - Approval Process
Most applicants receive approval in 7–10 business days. - Fund Your Project
Loan proceeds can cover both purchase and renovation costs. - Renovate and Add Value
Execute improvements to increase property desirability and market value. - Exit Strategy
Sell the property for profit or refinance into longer-term financing once stabilized.
Common Uses of Commercial Fix and Flip Loans
- Renovating a small retail storefront to attract tenants
- Updating outdated office space for resale
- Converting a warehouse into a multi-use property
- Improving mixed-use buildings with retail and residential units
- Modernizing commercial kitchens, gyms, or salons for resale value
Frequently Asked Questions (FAQ)
1. Can first-time investors get a commercial Fix and Flip loan?
Yes. While experience helps, new investors can qualify if they present a strong renovation plan and demonstrate financial stability.
2. How fast can I get approved?
Most approvals are completed within 7–10 business days.
3. What credit score is required?
A minimum credit score of 620 is needed.
4. Can the loan cover both purchase and renovation costs?
Yes. Fix and Flip loans are designed to finance both, making them efficient for investors.
5. What if I don’t sell the property before the loan term ends?
Extension options are available. Contact your lender before the term expires to avoid penalties.
6. What about interest rates?
Rates are competitive and vary based on your credit score, experience, and project specifics. Reach out for a personalized quote today.
Why Choose Truss Financial for Commercial Fix and Flip Loans?
- Works with 90+ banks to maximize approval opportunities.
- Green-lights 80% of loans declined elsewhere.
- No documents required to get started.
- No impact on credit score during pre-approval.
- 81% approval rate in 2024.
With a reputation for flexibility and speed, Truss Financial Group is a trusted partner for commercial real estate investors.
Conclusion
Commercial real estate can deliver significant profits, but only if you can secure financing quickly and efficiently. Fix and Flip loans for commercial properties make it possible to acquire, renovate, and resell properties without long delays or restrictive requirements.
Whether you’re updating a retail space, modernizing an office building, or repositioning a mixed-use property, these loans provide the speed and flexibility you need to succeed.
📌 Ready to move forward? Start your application today with Truss Financial Group and take the first step toward transforming commercial properties into profitable investments.