Investor Line of Credit — Fix & Flip — Northern Colorado
Capital that moves as fast as your deals do.
A hybrid revolving line of credit for fix and flip investors. Get pre-approved as a borrower, then close each deal in ~10 days with in-house appraisal and underwriting — repay when you sell and cycle to the next project.
Serving fix and flip investors across Fort Collins, Greeley, Loveland, Timnath, Windsor, Severance, and Northern Colorado.
Line Size
Up to $10M
Close Timeline
~10 days
Current Rate
High 8s–9%
Structure
Pre-approved revolving
Rate varies by experience and deal profile. Terms subject to lender approval. NMLS# 2845865.
Why fix and flip investors use a line of credit.
The investors who close more deals are not the ones with the most cash — they are the ones with capital already approved and ready to deploy when the deal shows up.
Pre-Approved Borrower, In-House Deal Review
You get pre-approved as a borrower for a line up to $10M. Each deal still gets appraised and underwritten — but the appraiser and underwriting team are in-house. No coordinating with third parties. No waiting on external timelines. That is why ~10 days is achievable.
Non-Contingent Offers
Because the capital is pre-approved and available, you can write non-contingent offers on distressed properties. In a market where speed is leverage, that is a structural advantage most buyers cannot match.
Covers Acquisition and Renovation
One draw funds the purchase. A second covers the rehab. You are not juggling multiple loan products or waiting on a new approval mid-project — the line handles the full deal cycle.
Draw, Flip, Repay, Repeat
Close, renovate, sell, pay back the line, and move to the next deal. Your borrower pre-approval carries forward — each new deal goes through in-house appraisal and underwriting, but the whole cycle moves in days, not weeks.
How Investors Use It
Four common applications.
Every investor's situation is different — but most of the use cases fall into one of these categories.
Distressed Property Acquisitions
Draw on the line to close quickly on undervalued properties before they hit the open market or go to the next buyer in line.
Acquisition + Full Rehab
Fund both the purchase and the renovation from a single pre-approved line. No separate hard money loan. No mid-project financing gaps.
BRRRR Path
Use the line for Buy-Rehab. Once the property is stabilized and rented, refinance with a DSCR loan and pay the line back down — ready for the next project.
Running Multiple Projects
If your line is large enough, you can fund more than one deal at a time. Draw for project A while project B is still under rehab — without waiting on either to close.
Who It's For
Built for investors doing consistent deal volume.
Frequently asked questions.
What is an investor line of credit for fix and flip?
An investor line of credit for fix and flip is a hybrid revolving credit facility. You get pre-approved as a borrower for a line up to $10M — your financial profile, experience, and track record are underwritten once. Each deal you fund with the line still goes through appraisal and underwriting, but because the appraiser and underwriting team are in-house, the process compresses to ~10 days instead of 30–45. You are pre-approved and the infrastructure is internal — that combination is what makes the speed possible.
How much can I access with a fix and flip line of credit in Northern Colorado?
Lines go up to $10 million depending on your experience and deal history. More experienced investors with a documented track record of completed flips typically qualify for larger lines at better rates. Fort Collins, Timnath, Windsor, and Loveland offer strong deal flow and strong ARVs — both factors that support higher line approvals.
What are the current rates on a fix and flip line of credit?
Current rates are in the high 8s to 9% range depending on experience and deal profile. That is meaningfully lower than traditional hard money, which typically runs 10–15% or higher. The revolving structure also means you are only paying interest on what you have drawn, not on the full line.
How fast can I close with a fix and flip line of credit?
Typically around 10 days once a deal is under contract. Each deal still goes through in-house appraisal and underwriting — but because the entire team is internal rather than third-party, the timeline compresses dramatically. You are already pre-approved as a borrower, so the deal review is the only remaining step. That is what makes a ~10-day close realistic and non-contingent offers credible.
How does a fix and flip line of credit compare to hard money?
Hard money is a single-project loan with external appraisers and underwriters — each deal starts from scratch, which is why timelines run 3–4 weeks or more. The fix and flip line of credit is a hybrid: you are pre-approved as a borrower, and each deal goes through in-house appraisal and underwriting. Because the entire team is internal, the timeline compresses to ~10 days. Hard money rates typically run 10–15%+. The line runs in the high 8s–9%. For investors doing consistent deal volume, the line is faster, cheaper, and built for repeat execution.
Can I use the line for both acquisition and renovation costs?
Yes. You can draw for the purchase and draw again for the renovation — or structure a single draw that covers both. The line is designed to handle the full fix and flip cycle, not just one piece of it.
What fix and flip markets in Northern Colorado does this cover?
I work with investors across Fort Collins, Timnath, Windsor, Loveland, Greeley, and Severance. Each market has a different mix of distressed inventory, ARV ceiling, and buyer demand. Fort Collins has the strongest ARVs driven by CSU and employment density. Windsor and Timnath have active appreciation from new construction adjacency. Greeley and Loveland offer lower acquisition costs with solid rental and resale demand.
Ready to close your next deal in 10 days?
A free 15-minute call to look at your deal history, determine your line size, and get you set up to close your next flip in 10 days.