Fix & Flip
As a leading fix and flip lender, Merchants offers reliable capital to acquire, renovate, sell, or refinance, real estate investment properties across the United States.
With competitive rates, adaptable terms, and a swift approval process, we empower you to capitalize on market opportunities and maximize your investment potential.
Apply NowBenefits of Working With Merchants
Working with Merchants means partnering with a lender that prioritizes speed, flexibility, and reliability. Our streamlined loan process, industry expertise, and personalized service help real estate investors secure funding quickly and efficiently. Whether you’re financing a fix-and-flip, new construction, or a bridge loan, Merchants delivers the capital you need—when you need it—so you can focus on maximizing your investment potential.
Staff Experience
Our experienced team of professional loan officers and processors are here to guide you every step of the way, ensuring that your financing journey is smooth and successful. From the initial consultation to the final loan approval, our experts are committed to providing personalized support and expert advice tailored to your unique needs and goals.
Property Types
We finance a variety of 1-to-4 unit property types and conditions, including but not limited to:
- Bank-owned properties
- Wholesaled properties
- HUD foreclosures
- Short sales
- Auctioned properties
For ineligible property types, click here.
Fast Approvals and Closings
Receive rapid pre-approvals, usually within 24 to 48 hours, and closings within 5 business days. This speed has helped many of our clients secure and close contracts faster than expected, allowing them to compete effectively with all-cash buyers.
Improvement Funds
Unlike many lenders and conventional banks, we can cover BOTH the purchase price of the property and a portion of the repair costs.
Borrower Flexibility
Properties can be titled under such entities as limited liability companies (LLCs), corporations, or partnerships. Investors are not restricted by the number of investment properties they already own. Self-directed IRA loans are also available with an additional down payment.
Competitive Pricing
Whether you are an experienced or novice investor, you will find that our rates and fees are among the most competitive in the industry.
100% Financing
If you have sufficient equity in another residential property you own, you may be able to cross-collateralize to cover the down payment. We also offer 100% financing through a Down Payment Reserve Account where the down payment is held by Merchants as separate collateral, allowing the loan to cover 100% of the costs.