Fix & Flip
Archwest provides fast, flexible fix and flip financing that helps investors renovate and sell with confidence.
- Fast closings so you never miss a deal
- Funding based on the property, not just your credit
- Dedicated support from application to payoff
LOAN STRUCTURE
Terms That Fit Every Fix & Flip Deal
See the loan amounts, terms, and leverage available on every fix and flip loan we fund, sized to fit your project and property type.
Term
6 to 30 Months
Loan Amount
$200K to $5M+
LTC
Up to 95%
Purchase Price
Up to 92.5%
- Non-Owner Occupied
- SFR
- Condo
- Townhome
- 2-4 Plex
- Multifamily Up to 9 Units
- ADU Conversions
LOAN HIGHLIGHTS
Funding That Fits Your Strategy
Fix and flip financing built around your strategy. Get the capital, leverage, and flexible terms you need to purchase, renovate, and sell properties profitably.
Term Sheet Within 24 Hours
Get moving fast with quick turnaround on your loan terms, so you’re not stuck waiting to lock down a competitive property.
Closings as Fast as 7 Days
Speed matters in fix and flip investing, and our streamlined closing process helps you beat out other buyers on time-sensitive deals.
Interest on Drawn Amounts Only
Keep your holding costs down by paying interest only on the rehab funds you’ve actually drawn, not the full loan amount upfront.
100% of Rehab Funding Available
Whether you’re tackling a light cosmetic refresh or a heavy structural rehab, we can fund the full scope of your renovation budget.
PROJECT TYPES
Built for Every Level of Fix & Flip
From light cosmetic updates to full structural rebuilds, our fix and flip loans are structured to fund the right scope of work for your project.
Cosmetic
This approach focuses on low-risk, surface-level renovations that boost a property’s appeal without major structural work.
Learn More ->
Cosmetic flips are one of the most popular fix and flip strategies for real estate investors, especially those just starting out.
This approach focuses on low-risk, surface-level renovations that boost a property’s appeal without major structural work. Common upgrades include hardware, installing modern light fixtures, and adding new countertops.
BEST FOR
Beginner investors or anyone seeking a fast house-flipping turnaround with minimal construction delays and lower renovation costs.
WHY INVESTORS CHOOSE IT
Cosmetic renovations offer a strong return on investment (ROI) with less capital risk, making this an ideal option for real estate investors looking to build their fix-and-flip portfolio.
Moderate Rehab
Moderate flips combine cosmetic updates with functional repairs that improve both a property’s look and performance.
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Moderate flips take the fix and flip strategy a step further, combining cosmetic updates with functional repairs that improve both a property’s look and performance.
This level of renovation typically includes repairing or replacing an aging roof, remodeling outdated bathrooms and kitchens, and upgrading old HVAC systems to boost energy efficiency and long-term value.
BEST FOR
Investors with some construction knowledge or reliable contractor networks who want a higher profit margin than a simple cosmetic flip.
WHY INVESTORS CHOOSE IT
Moderate rehabs allow for greater value-add renovations and increased resale value, making them a smart move for house flippers ready to scale beyond beginner-level properties.
Heavy Rehab
This tier of fix & flip investing involves major structural renovations that go far beyond cosmetic or functional updates.
Learn More ->
Heavy rehabs represent the most complex tier of fix and flip investing, involving major structural renovations that go far beyond cosmetic or functional updates.
These projects often mean stripping a property down to the studs, rewiring outdated electrical systems, replacing plumbing lines, and repairing foundational issues. These full-scale renovations transform a distressed property into a market-ready home.
BEST FOR
Experienced investors, seasoned general contractors, or investment teams with deep capital reserves to absorb unexpected structural surprises.
WHY INVESTORS CHOOSE IT
Heavy rehabs carry higher risk and a longer holding period, but they also offer the potential for the highest profit margins and biggest value-add in the fix-and-flip business. This is ideal for investors looking to maximize ROI on distressed or foreclosed properties.
WHY ARCHWEST
Institutional Capital, Investor-First Approach
The right financing partner can make or break your timeline and profitability. Here’s how we support investors.
Fast, Flexible Capital That Moves With Your Project
We provide an efficient disbursement process that ensures timely access to capital, keeping your investment on track whether you’re funding a quick cosmetic flip or a 12-month heavy rehab.
Terms Built for the Fix & Flip Timeline
Fix and flip loan terms typically range from 6 to 30 months, with interest-only payments during the renovation period, giving investors breathing room whether their project wraps up in 3 months or stretches past a year.
Straightforward Approval, Real Results
Unlike traditional banks, which often require extensive income documentation and lengthy approvals, we focus on the property and your experience as a flipper for a faster, more flexible path to funding.
RECENTLY FUNDED
Financing Fix & Flip Projects Nationwide

Houston, TX

Phoenix, AZ

Los Angeles, CA

Meridian, ID

Melbourne Beach, FL

Austin, TX

Fitchburg, MA

North Hollywood, CA

Canton, GA

Boca Raton, FL

Dallas, TX

Nashville, TN

Charlotte, NC

Arlington, VA

Houston, TX

Phoenix, AZ

Los Angeles, CA

Meridian, ID

Melbourne Beach, FL

Austin, TX

Fitchburg, MA

North Hollywood, CA

Canton, GA

Boca Raton, FL

Dallas, TX

Nashville, TN

Charlotte, NC

Arlington, VA
OUR PROCESS
From Application to Funding in No Time
1
Loan Inquiry
Start your journey with a quick and easy loan inquiry. Provide basic details about your project, and an Account Executive will contact you to provide terms within 24 hours.
2
Underwriting
Experience our accelerated and efficient underwriting process. A dedicated lending expert will work with you each step of the way.
3
Closing
The Archwest Capital team coordinates with all relevant parties to prepare for closing. Upon approval, your loan moves directly into closing.
4
Loan Funded
Once the closing is complete, your funds are quickly disbursed, so you can move forward with your project without delay.
FAQ
Frequently Asked
Questions
Answers to common questions about working with Archwest Capital
What kind of loan products do you offer?
We offer short-term bridge loans for fix and flips or new construction.
Are your loans tailored for both investors and brokers?
Yes, we have loans for both borrowers and brokers.
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.
How quickly can I get approved and funded?
Closings in as little as 5 business days.
How do I qualify for a loan?
Start by applying online or talking with one of our loan officers. If approved, you’ll get a personalized rate in minutes. Answer a few questions about your experience and the property you want to finance, and we’ll give you personalized loan options.
Do you work with first time investors?
We currently work exclusively with investors who have completed at least one prior investment. For your first investment, we recommend consulting with a local lender, bank, or credit union.
Ready for Financing?
Tell us about your project and get a personalized estimate in minutes