or call (727) 642-1166 — an answer in 24 hours or less
Money that moves at the speed of the deal
We are a direct lender. We look at the property, the repair budget and the exit — not your tax returns.
That is why our answers take a day and our closings take a week or two.
Terms for where you are today
New investor
20% down. No credit check. No appraisal. No income verification. Bring your fifth of the purchase, and the asset carries the rest. We will walk your first numbers with you before you commit.
- 20% Down
- No credit required
- 4-6 Points
- Rate 1% Monthly (12% Yearly)
- Up to 24 months
Experienced flipper (3+ flips)
10% down — sometimes 0%. With a track record we lend deeper, and on the right deal we fund part of the repair budget too. Bring the file, we will structure it.
- 10% Down, case by case 0% Down
- Credit Score 700+
- 2-4-Points
- Rate Starting at 9%
- Up to 12 Months, could be extended.
Hard Money Calculator
Loan Inputs
• 12-month interest-only term
• No pre-payment penalty
• Repair funds released by draw
• 7 to 14 day closings
• Title and insurance fees are additional
Project Summary
An estimate, not a commitment. Send the deal and we confirm the real terms in writing within 24 hours.
From “I found one” to “it funded”
Where we lend across Tampa Bay
Ten metro markets we know street by street — click yours for local terms and the way deals get done there.
What working with us looks like
Straight answers before you call
What do you need to give me an answer?
The address, the purchase price, the repair budget, the after-repair value and your exit — sale or refinance. That is enough for real terms in 24 hours or less.
Do you check credit or income?
No. We are asset based. We underwrite the property, the budget and the exit. That is what makes the speed possible.
Is there an appraisal?
Not on a standard fix & flip file. We value the asset ourselves, which removes the longest delay in a normal loan.
How much do I need to bring to closing?
A first-time investor brings 20% of the purchase plus closing costs. With three or more completed flips it can be 10%, and on some deals nothing down with part of the repairs funded.
Do you fund repairs?
Yes — repair funds are released by draw as the work is completed, and experienced investors can have part of the budget funded from the start.
What kinds of deals do you like?
Fix & flip, bridge, cash-out on investment property, small multifamily value-add, short-term rental purchases and spec-build bridges across Tampa Bay.