Fast Bridge Loans for Fix & Flip Investors — Close in Days
Short-term rehab financing with flexible terms and rapid approvals so you can buy, renovate, and sell faster — tailored for experienced investors and growing teams.
Legacy Triangle funds experienced and first-time fix & flip investors with bridge loans up to $5M, streamlined underwriting, and rehab draws timed to milestones. Get an initial decision in as little as 48 hours and access capital when you need it most.
48–72 hours (pre-qualified)
Typical Close Time
Up to $5,000,000
Loan Size
Dedicated loan specialist
Rep on Your Team
What is a Fix & Flip Bridge Loan?
Short-term acquisition and rehab financing engineered for investors who renovate properties to sell for profit.
Legacy Triangle’s bridge loans provide acquisition capital, rehab draws, and a path to quick resale or long-term refinance. We underwrite deals based on after-repair value (ARV), rental potential, and investor track record, not just personal income. Our process minimizes delays so you can act on deals fast.
- Acquisition + Rehab in One Loan: One facility covers purchase and construction draws, simplifying cash flow management and reducing the need for multiple lenders.
- ARV-Focused Underwriting: We evaluate projects by projected sale value post-rehab, giving experienced flippers leverage on higher-return deals.
- Milestone Draws: Funds released on verified rehab milestones to keep projects moving while controlling risk for both borrower and lender.
Are You a Good Fit?
Designed for investors who buy, rehab, and sell — whether you're scaling a portfolio or executing a single high-return project.
Segment-specific guidance so visitors self-identify as ideal candidates and move forward confidently.
Experienced Flippers
You have completed multiple rehab projects, can document comps and timelines, and need speed and predictable draw schedules.
Growing Investment Firms
You manage multiple projects and need a reliable capital partner that scales with your pipeline and underwriting standards.
First-Time Investors with a Plan
You’ve found a compelling deal and have a vetted contractor and budget — we’ll underwrite around the project merits, not just history.
Why Investors Choose Legacy Triangle
Benefit-focused items that address investor pain points: speed, certainty, alignment with project timelines, and hands-on support.
Speed to Close
Underwrite and close quickly so you don’t lose offers. Pre-qualification reduces underwriting turnaround to days, not weeks.
Flexibility on Borrower Docs
DSCR and project-based considerations allow experienced investors without traditional W2 income to qualify.
Transparent Fees & Predictable Draws
Clear cost structure and milestone-based disbursements keep cash flow predictable for contractors and owners.
How the Fix & Flip Loan Process Works
A simple step-by-step process that sets expectations and reduces anxiety about unknown steps.
4 Steps from Application to Exit
Step 1
Get Pre-Qualified
Share deal details and basic financials. Receive an initial decision and indicative terms within 48 hours.
Step 2
Underwrite the Deal
Submit contractor bids, scope, and property comps. We model ARV and create a draw schedule tied to milestones.
Step 3
Close & Begin Rehab
Close on acquisition. Rehab draws are released after on-site inspections or approved progress reports.
Step 4
Sell or Refinance
Repay the bridge loan at sale or convert to a long-term loan if you choose to hold the asset.
Typical Loan Terms & Structure
Clear, specific parameters that help investors quickly evaluate fit without needing to contact sales first.
Representative Terms
- Loan-to-ARV: Up to 75% of ARV (varies by deal)
- Loan Amounts: $100,000 – $5,000,000
- Term: 6–18 months (extensions available)
- Interest: Floating or fixed — competitive market rates
- Fees: Origination + draw fees; transparent fee schedule provided upfront
All terms are subject to underwriting. Exact pricing depends on project scope, borrower experience, and location.
What We Require
We focus on the deal — here’s what we typically need to underwrite a fix & flip loan.
If you’ve been turned down elsewhere, bring the deal — we often find solutions when traditional lenders say no.
Borrower Qualifications & Documentation
Lists the specific documentation needed and the flexible underwriting approach for non-traditional borrowers.
Deal Package
Purchase contract, contractor bids, detailed rehab scope, and projected ARV comps.
Borrower Info
Entity formation documents, ID, and project experience (portfolio or references).
Financials
Business bank statements, proof of reserves for contingency, and tax returns if available.
Property Details
Property inspection reports, title status, and insurance proof prior to closing.
Real Investors, Real Results
Short, specific testimonials that highlight speed, clarity, and deal outcomes to reduce social proof gaps.
“Legacy Triangle approved my rehab loan in 72 hours. With their milestone draws, I completed the project on time and sold for a 28% net return.”
Marcus L., Single-Family Investor
“We closed three deals back-to-back using Legacy Triangle’s facility. Their team handled the draw inspections quickly and kept renovations moving.”
Axiom Properties, LLC
“I’d been declined by a regional bank. Legacy Triangle underwrote the deal by ARV and helped me close within a week — saved the opportunity.”
Samantha R., New Investor
Frequently Asked Questions
Answers to the most common investor questions to remove final objections before conversion.
How long does approval and closing take?
Pre-qualification decisions in 48–72 hours. Full underwriting and close typically within 7–14 days depending on title and documentation.
Can I get funding if I don’t have traditional income documentation?
Yes — we underwrite around deal economics, ARV, and reserves for experienced investors or well-documented projects.
How are rehab draws handled?
Draws are milestone-based and require verification (photos, invoices, or on-site inspections) before disbursement.
What happens if the project goes over budget?
We require contingency reserves in the financing plan. If additional funds are needed, we work with borrowers on options including increased equity or refinance.
Do you finance multi-unit or mixed-use flip projects?
Yes — we finance single-family, multi-family, and mixed-use rehab projects with underwriting tailored to property type and exit strategy.
Ready to Close Your Next Flip?
Book a free consultation or start a quick pre-qualification to receive terms in as little as 48 hours.
Prefer to talk now? Call (555) 123-4567 — our loan specialists are available weekdays.
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