Fix & Flip Line of Credit
Stop waiting on a bank. Make the offer. Win the deal.
A fix and flip line of credit means your next offer is not contingent on financing approval. The capital is already in place. You identify the deal, draw the funds, and close — while bank-dependent buyers are still filling out applications.
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.
The Speed Advantage
Sellers do not wait. Bank buyers lose.
Across Northern Colorado — Fort Collins, Greeley, Loveland, Windsor — well-priced distressed and value-add properties move fast. The investors who consistently win are not the ones with the highest offer — they are the ones with committed capital who can close in two weeks and remove the financing contingency. A fix and flip line of credit is how you become that buyer.
Financing Type
Time to Close
Contingency
Reusability
Why a Line of Credit
How a revolving line changes the math on every deal.
No new approval for each deal
The line is underwritten once. Every subsequent draw is operational — not a new loan application. You identify the deal, draw the funds, and close.
Make non-contingent offers
A financing contingency signals uncertainty to sellers. With a line already in place, you remove it. That structurally stronger offer wins deals at the same price — or lower.
Close in 10-14 days
Sellers choose fast closes when they can. Bank-financed buyers take 30-45 days. Your line of credit makes a 10-14 day close routine, not exceptional.
Cover purchase and renovation
Draw for the acquisition, draw again as renovation milestones are hit. One facility, one approval, total flexibility across the deal lifecycle.
Revolves as you repay
When the property sells and you repay the draw, the full amount becomes available again immediately. No wait. No reapplication. Your capacity resets.
Cheaper than stacking hard money
Hard money origination points add up deal after deal. A revolving line pays those costs once. For investors doing 3+ flips per year, the savings are significant.
Northern Colorado Markets
Northern Colorado rewards speed. Here is why.
Fort Collins
Fort Collins has a deep pool of 1960s–1990s single-family and small multifamily inventory that trades at a discount to updated properties. CSU-driven rental demand means renovated units rent quickly and sell at a premium. Investors with fast capital consistently acquire at better prices — sellers know the difference between a real offer and a contingent one.
Greeley, Windsor & Loveland
Greeley offers lower acquisition costs with consistent rental demand from UNC and local industry — making it one of the strongest cash-flow markets in Northern Colorado. Windsor and Loveland have growing value-add inventory as the region expands east and south. In all three markets, fast-close offers with no financing contingency structurally outperform bank-dependent bids regardless of price.
Common Questions
How fix and flip lines actually work.
What is a fix and flip line of credit?
A fix and flip line of credit is a revolving credit facility designed for real estate investors who buy, renovate, and resell properties. Unlike a single-use loan that requires a new underwriting process for every deal, a line of credit stays open and available. You draw funds when you need them — for the purchase, the renovation, or both — and repay when the property sells. Then the line resets and you do it again.
How does a fix and flip line of credit help me make stronger offers?
When you have an approved line of credit, you can make non-contingent or fast-close offers — the kind sellers prefer. Buyers who depend on bank financing at the time of the offer typically need 30-45 days and include financing contingencies. With a line of credit already in place, you can offer a 10-14 day close with no financing contingency, which makes your offer structurally stronger regardless of price. Across Northern Colorado — Fort Collins, Greeley, Loveland, Windsor — that speed advantage wins deals.
What is the difference between a fix and flip line of credit and hard money?
Hard money loans are single-use, asset-based loans that go through full underwriting for each deal — typically 10–15%+ rates plus 2–4 origination points per deal, plus a new process every time. A fix and flip line of credit is underwritten once and then revolves: draw, repay, and draw again without starting over. Current rates on a fix and flip line run in the high 8s to 9% depending on your experience — meaningfully lower than hard money stacked deal after deal.
What do I need to qualify for a fix and flip line of credit?
Qualification is primarily based on your real estate experience and portfolio strength — not your W-2 income. Most lenders want to see a track record of completed flips or rental acquisitions, a minimum credit score (typically 650+), and existing real estate equity to collateralize the line. First-time flippers typically start with a single-deal bridge or hard money loan to build a track record before graduating to a revolving line.
Can I use a fix and flip line of credit in Northern Colorado?
Yes. Northern Colorado is active for fix and flip investing. Fort Collins has strong buyer demand for renovated properties near CSU and along the I-25 corridor. Greeley offers lower acquisition costs with consistent rental demand tied to UNC and local employment. Windsor and Loveland have growing pools of value-add inventory as the region expands. I work with investors across Northern Colorado and can structure a line around your specific deal flow.
How quickly can I access funds once the line is approved?
Once your line is established, draws are typically available within 24–72 hours. The pre-approved revolving structure means your closing timeline on a new deal is around 10 days — compared to 30–45 days for bank financing. The underwriting work is done upfront, so each draw is operational rather than a new application.
Related Product
Only doing one deal? Private hard money may be the right fit.
A fix and flip line is optimized for investors running multiple deals per year. For one-off acquisitions, first-time flippers, or properties that don't qualify for a revolving line, private hard money closes just as fast — deal by deal.
Let's set up your line before the next deal comes around.
The best time to get a line of credit approved is before you need it. A free 15-minute call is all it takes to find out what you qualify for and what the line could look like for your deal flow.