Loan Program
Fix & Flip Financing
Acquisition and renovation capital for value-add projects — structured around the property, the scope of work and your exit.
Overview
Who this loan is designed for
Fix and flip financing is built for investors buying a property, improving it and exiting through a sale or refinance. Bear City Capital underwrites the asset and the plan: purchase price, scope of work, projected value and the timeline you intend to execute on.
Qualified investors can be considered for financing covering purchase, rehab and eligible closing costs, with deferred payment options available on eligible loans so more of your cash stays in the project.
Common uses
- Distressed single-family acquisition with a full cosmetic renovation
- Auction or off-market purchase requiring a compressed closing timeline
- Value-add project where rehab dollars need to be financed alongside purchase
- Rehab-to-refinance projects transitioning into a long-term hold
Illustrative scenarios only. Structure and eligibility are determined in underwriting.
Underwriting Focus
What Bear City Capital considers
Five things shape the conversation on every submitted deal.
01
Property
Location, condition, comparable values and marketability of the asset.
02
Project
Scope of work, rehab budget and how the improvements create value.
03
Timeline
Contract dates, expected renovation duration and target completion.
04
Borrower
Experience with similar projects and how the deal will be managed.
05
Exit strategy
Sale, refinance into a rental loan, or another defined path to payoff.
How It Works
From Deal to Closing
Four steps from first conversation to funded capital.
- 01
Share Your Deal
Property, requested financing, project scope, timeline and exit strategy.
- 02
Review Options
Bear City Capital evaluates the opportunity and potential financing structures.
- 03
Complete Underwriting
Provide borrower and property documentation so the file can move efficiently.
- 04
Close and Execute
Complete closing and put the capital to work on the project.
Program FAQ
Fix & Flip questions
Specifics are best answered against a real deal — send yours in for review.
Other Programs
Explore more financing options
Get Started
Your Next Deal Starts With the Right Capital.
Tell us what you're working on and we'll talk through your financing options.
Subject to underwriting and program eligibility. Non-owner-occupied investment property only.