Need Fast Funding? Get Approved in Days, Not Weeks.
We specialize in asset-based lending for real estate investors, flippers, and sellers in urgent situations. Get cash in hand in as little as 3 days – even if banks said no.
Close in 3–10 Days – Fast funding when banks say no.
No Credit Check – We lend on property, not your score.
Investor-Friendly Loans – Flip, bridge, refi, or cash out.
"Absolutely blown away by the quality and professionalism. Our garage looks incredible!"
— Sarah M., Homeowner
Need Funding Fast?
No credit check. Fast funding. Same-Day Response.
🔒 Your information is 100% secure and never shared. We respect your privacy.
“I had a probate property and needed cash fast. Banks said no. Flip Effective said yes — and delivered.”
– Carla S., Inherited Property Seller
Deals We've Funded — Fast, Simple, Done
We fund real estate deals across the country — from fix & flips to urgent foreclosure bailouts.
Foreclosure Rescue
$180K
3 days
Distressed property purchase with immediate closing to prevent foreclosure
22% ROI
Probate Property
$320K
5 days
Estate settlement with environmental remediation requirements
28% ROI
Flip + Refinance
$250K
7 days
Complete renovation with permanent financing exit strategy
18% ROI
Bridge Financing
$450K
4 days
Distressed property purchase with immediate closing to prevent foreclosure
15% ROI
Who We Help And How We Help Them Win
From first-time flippers to sellers in tough situations, we specialize in solving urgent funding needs that banks can’t handle.
Real Estate Investors – Fund flips, rentals, and quick buys
Distressed Sellers – In foreclosure, probate, or divorce
Denied by Banks – Low credit, balloon payments, no W-2? We can help.
Flexible Loans for Real Estate Investors & Sellers
No matter your situation, we have a loan for it.
Fix & Flip Loans
Get fast capital to renovate and resell
Term:
6-24 months
LTV:
Up to 60%
Fund renovations fast — no delays from traditional lenders.
Based on property value, not credit or income.
Close in days so you can move before the deal slips away.
Bridge Loans
Short-term funding between transactions
Term:
6-24 months
LTV:
Up to 60%
Short-term capital to cover gaps between purchases or sales.
Ideal for timing-sensitive deals or quick closings.
Flexible terms to fit your exit strategy.
Rental Property Loans
Any size, any strategy
Term:
6-24 months
LTV:
Up to 60%
Long-term or short-term funding for non-owner occupied rentals.
Any loan size — from single units to full portfolios.
Keep your cash flow intact while scaling your investments.
Cash-Out Refinance
Unlock equity fast
Term:
6-24 months
LTV:
Up to 60%
Unlock equity in your property without selling.
Use funds for other investments, repairs, or urgent needs.
No tax returns or W-2s required — just the property.
Transactional Funding
Single-day closings made easy
Term:
6-24 months
LTV:
Up to 60%
Same-day capital for double closings or wholesale flips.
No upfront fees or long-term commitment.
Get in, close, and get out — all in one day.
Why Homeowners Choose Us
Borrowers choose us because we move fast, keep things simple, and fund deals that traditional lenders won’t touch.
Fast Closings, No Red Tape
We fund deals in as little as 3 days — no endless paperwork or bank delays.
We Say Yes When Banks Say No
Low credit? No income proof? No problem. We focus on your property, not your history.
Flexible Loans for Unique Situations
From foreclosure and probate to divorce or balloon payments — we craft loans that fit your needs.
Real Estate Experts, Not Just Lenders
We understand real estate investing and complex deals. Our team helps you win — not just borrow.
Built for Speed. Backed by Real People.
You’re not just another file in a banker’s inbox. At Flip Effective, you deal with real decision-makers who understand real estate — and move fast to fund your deal.
Talk directly to underwriters — no layers of middlemen
Decisions in hours, not weeks
You call, we answer — even after hours when deals are on the line
Why Borrowers Trust Flip Effective
Speed, Simplicity, and Support You Can Count On
3–10 Day Closings
Move fast with funding in days, not weeks.
Transparent, No-Hassle Process
Clear terms, no surprises, no runaround.
Minimal Paperwork
Quick docs and fast approvals — no red tape.
What Our Happy Clients Say
Real review from satisfied clients.
“Flip Effective saved my deal. I was two days from losing the property and they funded me in time.”
Real Estate Investor
“Other lenders dragged their feet for weeks. Flip Effective had me approved and funded in under five days.”
Property Flipper
“I was facing foreclosure and running out of options. They stepped in, understood my situation, and made the process simple.”
Homeowner
“I’ve worked with a lot of hard money lenders. These guys were fast, responsive, and straight to the point.”
Real Estate Investor
“They didn’t care about my credit score just the value of the property. Got my deal done without all the usual runaround & delays.”
Commercial Property Owner
Mary B.
Sarah J.
Michael L.
Rob M.
Jennifer K.
Ready To Get Funded Fast?
Whether you're flipping a house, selling under pressure, or refinancing a rental — we can help. No credit checks. No delays. Just capital when you need it most. While other lenders get stuck on credit scores, tax returns, and income history...We look at one thing: the value of the property. If it’s a solid deal, we’ll move fast with flexible terms, low paperwork, and approvals in days.
⚡It only takes 60 seconds. No obligation.
Frequently Asked Questions
Get clear answers to the questions we hear most so you can move forward with confidence.
How fast can I get funding?
We can close in as little as 3 days. Most deals fund within 3–10 business days, depending on the property and paperwork.
What types of properties do you lend on?
We fund non-owner occupied residential and commercial real estate nationwide. That includes fix & flips, rentals, and properties in probate or foreclosure.
What’s the maximum loan-to-value (LTV) you offer?
We typically lend up to 60% LTV. Our ideal deals are in the 0–20% LTV range for faster approvals.
Can you help if I’m in foreclosure or probate?
Yes. We specialize in urgent and complex situations, including foreclosure bailouts and probate property sales.
Do I need income documentation or tax returns?
No income verification is required. We focus on the asset, not your paperwork.
Do you fund deals in all states?
Yes, we lend nationwide across the U.S., as long as the property is eligible and non-owner occupied.
What’s the typical loan term?
Loan terms range from 6 to 24 months, with a possible 12-month extension if payments are on time.
How do I get started?
Just give us a call or click “Get My Free Loan Quote” to fill out a quick form. We'll review your deal and give you a fast answer.
Your trusted partner for fast, flexible hard money lending solutions. Helping real estate investors & selllers achieve their goals since 2015.
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Call Now: (833) 333-0036
