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.

What is the difference between a fix and flip loan and a hard money loan?

Fix and flip loans are a specific application of hard money financing purpose-built for purchase plus renovation projects with a sale exit. Hard money is the broader category and can cover acquisitions, cash-out refis, commercial deals, and bridge scenarios without a rehab component. Fix and flip loans include a structured draw schedule for renovation funds that general hard money programs do not always offer.

Can I convert the property to a rental instead of selling?

Yes. Many investors use a fix and flip loan to acquire and renovate a property, then refinance into a 30-year DSCR loan once the property is stabilized and rented. This is the BRRRR strategy: Buy, Rehab, Rent, Refinance, Repeat.

Is experience required?

Not on most programs. Many programs are accessible to first-time investors. Some offer slightly lower LTC for less experienced borrowers while others make no distinction. Your advisor will identify programs that match your experience level.

How is rehab funding released?

Rehab funds are held in reserve after closing and released in draws as each phase of work is completed. You submit a draw request, an independent inspector confirms completion, and funds are typically released within 1 to 3 business days of sign-off. Most programs allow 3 to 5 draws over the course of the project.

What is ARV and why does it matter?

ARV stands for after-repair value: the estimated market value of the property after all renovations are complete. Programs cap the total loan amount at a percentage of ARV, typically 70% to 75%, regardless of the LTC. This ensures the property's post-renovation value supports the loan amount and the investor has a realistic path to profit on exit.

REAL ESTATE FINANCINGFix and Flip Loans for Residential Investment Properties

Fix and Flip Loans for Residential Investment Properties

Acquisition and renovation financing from $75,000 to $20,000,000 covering both the purchase and full rehab budget in a single loan. Up to 97% LTC and 100% of renovation costs on qualifying deals. Rates starting at 7.73% with closings in as little as 24 hours on select programs.

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$75K to $20M

Loan Amount

From 7.73%

Rates

Up to 97%

LTC

24 Hrs to 15 Days

Close Speed

Overview

How Fix and Flip Financing Works

Fix and flip loans are short-term financing products designed specifically for real estate investors who purchase, renovate, and sell residential properties. Unlike a standard bridge loan, fix and flip financing covers both the acquisition cost and the full renovation budget in a single structure, with rehab funds distributed through a draw schedule as each phase of work is completed and verified.

Approval is based primarily on the property's after-repair value, the renovation scope and budget, and the strength of the exit strategy rather than the borrower's personal income or credit history. Fix and flip programs available through Surge Financial cover single-family homes, 2 to 20 unit multifamily, condos, and townhomes. Loan amounts range from $75,000 to $20,000,000. LTC up to 97% on select programs with 100% of rehab costs covered. Rates start at 7.73%. Most programs close in 5 to 15 business days, with select programs closing in 24 to 48 hours for experienced investors with complete documentation. First-time investors are eligible on most programs. Experienced investors with a track record of completed projects qualify for higher LTC, lower rates, and faster closings.

At a Glance

Loan Amount$75K to $20M

RatesStarting at 7.73%

Terms6 to 24 months

Close Speed24 hours to 15 business days

Loan to CostUp to 97% on select programs

RehabUp to 100% of renovation budget

Eligible PropertiesSFR, 2–20 unit multifamily, condos, townhomes

Process

How It Works

Step 1

Submit Your Deal

Share the property address, purchase price, estimated rehab scope and budget, ARV, and exit plan. We evaluate the deal on its fundamentals. No standard application checklist required at this stage.

Step 2

Review Your Term Sheet

A term sheet outlining the loan amount, LTC, rate, draw schedule structure, and term is typically issued within 24 to 48 hours of a complete deal summary.

Step 3

Close, Renovate, and Exit

The loan closes on the acquisition. Rehab funds are released through the draw schedule as each phase is verified. Exit via sale at project completion or refinance into a DSCR loan if you plan to hold as a rental.

Considerations

Pros and Cons

Pros

Covers purchase and renovation in a single loan with no separate construction line needed

Up to 97% LTC and 100% of rehab costs on qualifying deals

Rates starting at 7.73% for well-structured deals

No minimum credit score on most programs

First-time investors eligible on most programs

No prepayment penalty on most programs

Closings in 24 to 48 hours on select programs for experienced investors with complete documentation

Cons

Short-term structure of 6 to 24 months requires a clear sale or refinance exit before funding

Origination fees of 1% to 3% typically apply at closing

ARV cap limits total loan amount regardless of LTC and the deal must have sufficient spread between cost and completed value

Draw inspections add time between renovation phases

Rehab cost overruns are not automatically covered, scope changes require draw amendment approval

Eligibility

Do You Qualify?

No minimum credit score on most programs. After-repair value and the strength of the deal are the primary underwriting factors. First-time investors are eligible on most programs.

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620+

Credit (Preferred)

Property ARV

Primary Underwriting Factor

Rehab Scope

And Budget Required

FAQ

Common Questions

Free Tool

Free Fix & Flip Deal Analyzer

All-in cost, net profit, ROI, and cash-on-cash return for any flip project — before you make an offer.

Learn More

Related Guides

Guide

Fix and Flip Financing: A Complete Guide for Beginners

Read the guide →Guide

BRRRR Loan Financing: How to Fund Buy, Rehab, Rent, Refinance, Repeat

Read the guide →

Have a Fix and Flip Deal to Submit?

Share the property address, purchase price, rehab scope, estimated ARV, and exit plan. Your advisor will come back with real terms based on the deal, not a generic rate sheet.

Submit Your Deal →No upfront fees. No commitment required. Nationwide programs.