What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

Do I need experience to get a hard money loan for a fix and flip?

Not always. Many hard money lenders will work with newer investors, especially on deals with strong margins. First-time flippers may face a lower LTV or higher down payment requirement. Having an experienced contractor on your team can also help.

How does the rehab draw process work?

Rehab funds are held by the lender and released in draws as work is completed. You submit a draw request, an inspector verifies the completed renovation, and funds are released — typically within 1–3 business days. This protects both parties and keeps the project on budget.

What happens at the end of the loan term if my flip isn't sold?

Most lenders offer short-term extensions for a fee. It's important to build buffer into your timeline. If the property is complete and rented but not yet sold, you may also be able to refinance into a DSCR product to hold the property rather than sell in a down market.

What's the maximum LTV for a fix and flip loan?

Most hard money programs go up to 90% of purchase price and 100% of the rehab budget, based on the after-repair value (ARV). Some programs go higher for experienced investors. The exact LTV depends on the deal's ARV, the market, and your experience.

Real Estate FinancingFix and Flip Loans: Hard Money and Bridge Financing for House Flippers

Fix and Flip Loans: Hard Money and Bridge Financing for House Flippers

Fast capital for flipping. Underwritten on the property's after-repair value (ARV), not your income. Close in as few as 5 days.

Get Started. No Fees.

5–10 Days

Close Speed

Up to 90%

Purchase LTV

100% Rehab

Covered

Any Condition

Properties

Overview

Financing Fix and Flip Loans: Hard Money and Bridge Financing for House Flippers

Fix and flip investing is a speed game. The best deals go to investors who can close fast, fund the rehab without delays, and exit cleanly. Surge Financial advises on hard money and bridge financing underwritten on the deal, not your W-2, so you can move when the opportunity appears.

Loan Programs

Available Financing Options

Loan programs available for Fix and Flip Loans: Hard Money and Bridge Financing for House Flippers properties.

Hard Money Loans

Asset-based lending underwritten on the after-repair value (ARV) of the property. Fast close, flexible qualification, and rehab funding built in.

Bridge Loans

Slightly more flexible than pure hard money, bridge loans work for value-add properties that need time to stabilize or reposition before sale or refinance.

Why Surge

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

5 days

Fastest close time

80%

Max LTV available

Upfront fees

All 50

States covered

Eligibility

Typical Loan Parameters

General guidelines for Fix and Flip Loans: Hard Money and Bridge Financing for House Flippers financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

Check Eligibility. No Fees.

Hard Money

Loan Amount

$75K–$10M+

Close Speed

5–10 days

Purchase LTV

Up to 90%

Rehab Coverage

100% of budget

Bridge

Loan Amount

$250K–$50M+

Close Speed

10–21 days

Purchase LTV

Up to 75%

Rehab Coverage

Case-by-case

Best For

Who This Is For

These programs are designed for specific investor profiles. Find the scenario that matches your situation below.

First-time fix and flip investors buying their first investment property to renovate and sell

Most hard money programs have no minimum experience requirement and no minimum credit score. The deal is evaluated on the after-repair value, the renovation scope, and the exit plan.

Experienced flippers who need fast closings to compete with cash buyers on off-market deals

Hard money programs close in as little as 24 to 48 hours for experienced investors with complete documentation, making it possible to compete on speed in markets dominated by all-cash offers.

Investors targeting distressed properties that conventional lenders will not finance

Hard money and bridge programs fund properties in any condition, including those with structural issues, code violations, or deferred maintenance that disqualifies them from conventional financing.

Investors who want the acquisition cost and the full renovation budget covered in a single loan

Fix and flip programs fund both the purchase and 100% of the rehab costs on qualifying deals, eliminating the need to bring separate renovation capital to closing.

BRRRR investors who renovate a property and decide to hold it as a rental instead of selling

Rather than exiting via sale, you can refinance out of the short-term fix and flip loan into a 30-year DSCR product once the property is renovated and producing rental income.

FAQ

Common Questions

Finance Your Fix and Flip Loans: Hard Money and Bridge Financing for House Flippers Property

No upfront fees. No hard credit pull. Tell us your deal and we will tell you what is possible.

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