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Fix & Flip · Private Lending Program

Fix & Flip Loans
That Close as Fast as
Your Deals Move.

PA Equity Solutions connects you with private Fix & Flip loans for real estate investors — with 48-hour approvals, up to 90% LTC, and closings in as few as 7 days. No income verification. No long waits. Just funded.

Apply Now → View Loan Terms
90%
Max LTC
48hr
Approval
7–14
Days to Close
$1.5M
Max Loan
Fix & Flip Program
Fix & Flip
Short-term rehab lending. Built for speed.
Loan Amount
$100K – $1.5M
Max LTC
Up to 90%
Loan Term
12–24 Months
Close Time
7–14 Days
Income Docs
Not Required
Experience
All Levels
⚡ Pre-approval in as little as 48 Hours
Get Pre-Approved Today →
48-Hour Approval ◆ Up to 90% LTC ◆ Close in 7 Days ◆ No Income Docs ◆ $100K to $1.5M ◆ All Experience Levels ◆ Trusted Lending Partner ◆ No Upfront Fees ◆ 48-Hour Approval ◆ Up to 90% LTC ◆ Close in 7 Days ◆ No Income Docs ◆ $100K to $1.5M ◆ All Experience Levels ◆ Trusted Lending Partner ◆ No Upfront Fees ◆
Loan Eligibility

Simple Requirements.
Fast Decisions.

We focus on the deal — not your personal financial history. Our underwriting is built for real estate investors, not traditional borrowers.

✓
Residential Property — 1 to 4 Units
Single family, duplex, triplex, or fourplex eligible. Must be non-owner occupied investment property.
✓
Minimum 620 Credit Score
We consider the full picture — not just your score. Experienced investors with strong deal history may qualify below this threshold.
✓
Clear Exit Strategy Required
Sale upon completion or refinance into long-term financing. We lend on deals with a clear, realistic path to payoff.
✓
Property Must Be in the United States
We fund deals across most US states. Contact us to confirm availability in your target market.
✓
First-Time Investors Welcome
No prior flip experience required for smaller loan amounts. We work with investors at every stage of their journey.
Who We Fund
PA Equity Solutions works with a wide range of real estate investors and professionals.
🏠
House Flippers
Buy, rehab, and sell residential properties for profit
🏢
Real Estate Investors
Experienced portfolio builders scaling their acquisitions
🔑
Wholesalers & Realtors
Professionals needing fast capital for time-sensitive deals
🏗️
Contractors & Builders
Builders who acquire, renovate, and resell properties
We Do Not Fund:
  • Owner-occupied primary residences
  • Commercial or industrial properties
  • Mobile homes or manufactured housing
  • Properties outside the United States
Loan Parameters

Transparent Terms.
No Surprises.

Every term is disclosed upfront. No hidden fees, no bait-and-switch pricing, no last-minute conditions at the closing table.

💰
Loan Amount
$1.5M
From $100,000 up to $1,500,000 per deal
📐
Max LTC
90%
Up to 90% of purchase + rehab cost
📅
Loan Term
24mo
12 to 24 month interest-only terms available
⚡
Close Time
7days
As few as 7 days once documents are complete
Approved Use of Funds

What You Can Fund With Us

🔨
Full Gut Rehab
Complete interior renovation — kitchen, bathrooms, flooring, electrical, plumbing, and structural work.
🪟
Light Cosmetic Rehab
Paint, flooring, fixtures, landscaping, and other light updates to increase property value quickly.
🏠
Acquisition + Rehab
Combined funding for both the purchase price and full renovation budget — one loan, one close.
🔁
Refinance of Existing Rehab
Already started a project? We can refinance an existing rehab loan with better terms and faster draws.
🏘️
Multi-Unit Fix & Flip
Duplex, triplex, and fourplex properties — renovate and sell or hold as a rental portfolio asset.
📦
Value-Add Conversions
Convert single-family to multi-unit, add ADUs, or reconfigure layouts to maximize ARV and profit.
Application Process

From Deal to Funded
in 5 Simple Steps.

1
Day 1
Submit Your Deal
Share property address, purchase price, estimated rehab budget, and your exit strategy.
2
Within 48hrs
Receive Term Sheet
We review and issue a preliminary term sheet with your loan amount, rate, and terms.
3
Day 2–5
Due Diligence
Appraisal, title search, and final documentation — our process is streamlined for speed.
4
Day 7–14
Close & Fund
Sign your documents and receive your loan proceeds. Ready to start your rehab immediately.
5
Ongoing
Draw & Complete
Access your rehab budget through our flexible draw schedule. Sell, profit, and repeat.
Common Questions

Fix & Flip
FAQ

Everything you need to know about our Fix & Flip loan program — answered clearly and honestly.

Do I need prior flipping experience? +
No. We work with first-time and experienced investors alike. For first-time borrowers, we may require a lower LTC or additional reserves, but there is no hard experience requirement to apply.
How fast can you really close? +
Most of our Fix & Flip loans close within 7 to 14 business days once documents are in order. In some cases with clean deals and quick appraisals, we have closed in as few as 5 days. Speed depends on the complexity of the deal and how quickly documentation is provided.
Do you check personal income or tax returns? +
No. Our Fix & Flip loans are asset-based, meaning we underwrite based on the property value and your rehab plan — not your personal income, W2s, or tax returns. This makes the process significantly faster and simpler.
What states do you lend in? +
We lend in most US states. A small number of states have regulatory restrictions on private lending. Contact us with your target market and we will confirm availability immediately — no waiting.
How do rehab draws work? +
Rehab funds are held in escrow and released in draws as work is completed. We conduct quick inspections to verify progress, then release the next draw — typically within 24 to 48 hours of inspection. No long delays between draws.
What is the minimum credit score required? +
We generally look for a minimum 620 credit score. However, we consider the full picture — deal strength, experience, and equity position all play a role. Contact us even if your score is below 620 and we will assess your specific situation.
Apply Today

Tell Us About
Your Deal.

Share your property details and we will respond with a straight answer within 24 hours. No fluff, no runaround — just an honest assessment and fast funding if it qualifies.

Call or Text
+1 (201) 680-0991
Mon–Sat · 9am–7pm EST
Email Your Deal
fixnflip@paequitysolutionsllc.com
Response within 24 hours
Website
paequitysolutionsllc.com
View all loan programs
Approval Speed
Within 48 Hours
Term sheet issued fast
Call Now → Email Your Deal
PA Equity Assistant
PA Equity Solutions
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