Fast, Flexible Financing for Property Flippers Across Philadelphia
For experienced real estate investors, time is your most valuable asset. The real estate market in the Mid-Atlantic moves fast, and you need a financial partner who can move faster. We provide agile, in-house fix and flip loans designed specifically for the unique demands of the Philadelphia investment landscape.
From historic rowhouse restorations in the revitalized neighborhoods of Fishtown and South Philadelphia to large-scale modernizations and portfolio-building projects in Kensington, our tailored financing and streamlined process empower you to rehab with confidence and speed.
LOAN HIGHLIGHTS
Fix and Flip Loan
Term
6 to 30 Months
Loan Amount
$200K to $5M+
LTC
Up to 95%
Cost Breakdown
Up to 92.5% of Purchase
& 100% of Rehab
Property Types
Non-Owner Occupied
SFR, Condo, Townhome, 2–4 Plex
Multifamily Up to 9 Units
ADU Conversions Okay
Power Your Next Project with Speed and Certainty
Fix-and-flip projects demand speed, flexibility, and reliable capital. Our Fix & Flip Loan is built for experienced real estate investors ready to turn distressed properties or outdated homes into profitable residential assets. With competitive terms, strong leverage, and financing tailored to a wide range of property types, we deliver the certainty and resources you need to bring your vision to life.
From gut renovations and light remodels to historic home modernizations and portfolio flips, our Fix & Flip Loan provides the capital structure and confidence to take your project from acquisition to resale, on time and on budget.
WHY ARCHWEST
The Archwest Difference: A Lender Built for Fix & Flip Investors
At Archwest Capital, we understand that your project’s success hinges on rapid, reliable financing. We are not a traditional bank; our lending approach is built on a deep understanding of investment real estate and the need for a lender who understands your business. Our loan programs are crafted for efficiency and flexibility, ensuring you have the capital you need precisely when you need it.
Term Sheet Within 24 Hours
Closings in Under 7 Days
Interest on Drawn Amounts Only
100% of Rehab Funding Available
Questions about financing your project in Philadelphia?
Our experts are here to help! Connect with our Philadelphia relationship manager today on terms, eligibility, timelines, and next steps.
Brittney Fairweather, Account Executive
PHILADELPHIA MARKET
Your Philadelphia Investment Partner: Local Market Insights
Beyond providing capital, Archwest Capital is a partner with unparalleled local market knowledge. Our team closely monitors the trends and opportunities unique to the Philadelphia metropolitan area, empowering you to make data-driven investment decisions.
Specializing in Philadelphia's High-Demand Markets
We specialize in financing projects in the neighborhoods where Philadelphia’s real estate investors are finding the greatest success.
- Fishtown: As a highly competitive market with homes selling quickly and often for over asking price, Fishtown demands a lender who prioritizes speed and efficiency. Our agile process ensures you can secure your financing and get to work quickly, positioning you for success in this dynamic area.
- Northern Liberties: This area is a hotspot for infill development and modernization projects, where the high demand for contemporary city living has led to significant property value appreciation. We have the expertise to value and fund these nuanced projects, helping you tap into this high-growth market.
- Passyunk Square & Beyond: From historic rowhouse renovations to tear-down and rebuild projects, our financing solutions are tailored to the wide range of opportunities in Passyunk Square and the surrounding areas, which are attracting significant new investment and renewed interest.
Benefits in the Philadelphia Market
| Benefits | Why It Matters Here |
|---|---|
| Up to 90% LTC | Buy more with less out of pocket |
| 100% Rehab Financing | Complete your full scope without using your own cash |
| Fast Approvals | Close quickly in competitive neighborhoods |
| Ideal for Value Add Deals | Perfect for older Philadelphia homes with strong resale upside |
| Local Support | Philadelphia-based insights to guide you deal-by-deal |
What Our Partners Say
Archwest is the best lender to the best flippers. We help clients execute with speed and maximize returns.
How It Works
Apply Online
We assess your plans and track record to ensure a strong market fit.
Get Approved Fast
Detailed review of budget, scope, and exit strategy with appraisals based on completed value.
Close & Fund
Interest-only payments during construction; underwriting focused on project strength.
Renovate & Sell (or Refi)
Fix the property and exit through sale or transition into a DSCR rental loan.
FAQ
Frequently Asked Questions
Answers to common questions about working with Archwest Capital.
How does a fix and flip loan work?
A Fix & Flip Loan is a short-term financing solution designed for real estate investors looking to purchase, renovate, and resell properties quickly. These loans cover both acquisition and renovation costs, providing the capital needed until the property is sold.
What credit score do I need for a fix and flip loan?
Archwest generally requires a minimum average FICO score of 680 for loan eligibility. Alongside credit, Archwest also weighs the strength of the deal and the investor’s track record, rather than relying solely on personal income documentation the way traditional bank financing does.
How long does it take to close on a fix and flip loan?
Our expert team is committed to moving your loan efficiently from application to funding, including same day quotes.
Fix & Flip Loans: As fast as 3 business days; 2 week average
Timelines may vary based on borrower qualifications, property details, and market conditions. In addition, once a borrower is approved, future transactions can close even quicker.
Do I need real estate investing experience to qualify?
Yes, Archwest typically works with experienced investors who have completed at least one project within the past 36 months. Experience requirements vary by loan product, so reach out to discuss eligibility based on your investment background.
How do I start my loan application process?
You can request a quote through our website Get an Estimate and someone will get back to you as quickly as possible.
National Lender with Local Expertise
County: Philadelphia County, Montgomery County, Delaware County, Chester County, Bucks County
Cities: Philadelphia, Ardmore, Bala Cynwyd, Cheltenham, Jenkintown, Havertown, Broomall, Upper Darby, West Chester, Media, Doylestown, Warminster, Willow Grove
Recently Funded
Ready to Flip in Philadelphia?
From Kensington to Brewerytown, Point Breeze to Germantown, Philadelphia offers value-add opportunities for experienced investors who move fast. With Archwest, you’ll get funding that matches your hustle.