Private Lending Specialist · Colorado · 5–7 Day Closings (720) 422-1571
Fix & Flip Loans · Colorado

Fund the deal.
Skip the committee.

Summit Coast Capital underwrites your fix and flip on the asset's after-repair value — not your tax returns, not your DTI. Get up to 90% of purchase and 100% of rehab costs funded in 5–7 business days.

90%Purchase LTV
100%Rehab funded
5–7 daysTo close
24 hrsTo term sheet
Loan parameters
Purchase financingUp to 90% LTV
Rehab financingUp to 100%
Underwritten onAfter-Repair Value (ARV)
Loan term6 – 18 months
Min. loan amount$75,000
Max. loan amount$2,000,000
StatesColorado
DTI requiredNone
Tax returns requiredNone
Min. credit score580+ preferred
Closing time5–7 business days
Get a 24-hr term sheet →
The process
From submission to funded in 5–7 days

No committees, no underwriting queues. Every deal is reviewed by the principal within 24 hours.

1
Submit your scenario
Fill out the form below with property address, purchase price, estimated ARV, and rehab scope. Takes 3 minutes.
2
24-hr forensic review
The principal reviews the equity story, pulls comps, and runs the ARV model. You hear back within one business day.
3
Term sheet issued
If the deal pencils, you receive a formal term sheet with rates, LTV, and draw schedule. No obligation to proceed.
4
Funded & closing
Title, appraisal (or BPO), and docs are handled fast. Most deals close in 5–7 business days from term sheet.
Who we fund
Built for investors who move fast

If you've found a deal with equity, we have the capital. Experience level matters less than the numbers.

🏗
New entity investors
No track record required. We underwrite the deal, not your résumé. If the ARV supports the loan, we'll fund it — and we'll walk you through the process.
🔁
Experienced investors
Need a reliable capital partner who can close fast and hold a draw schedule? We work with active flippers doing 3–20 deals per year across Colorado markets.
🤝
Brokers & wholesalers
Bring us your buyers. We close fast, we don't renegotiate at the last minute, and we pay broker fees. Build a referral relationship that actually works.
What we need — and what we don't
Our underwriting is different by design

We're an asset-based lender. That means the property is the collateral — not your income, your credit history, or your tax returns.

What we look at
  • Purchase price and as-is property condition
  • After-repair value (ARV) supported by local comps
  • Rehab scope and budget (we review together)
  • Your exit strategy (sell or refinance)
  • Available equity cushion in the deal
  • Property type and location (Colorado only)
What we don't require
  • Tax returns or W-2s
  • Debt-to-income ratio (DTI)
  • Proof of employment or payslips
  • Prior flipping experience or track record
  • High credit scores (580+ preferred, not required)
  • Bank statements for income verification
Common questions
Fix & Flip FAQ
What markets do you lend in?
Our institutional lending partners fund residential and small commercial investment properties in Colorado. We work across the state — including Denver, Colorado Springs, Fort Collins, Boulder, Aurora, and surrounding areas. Contact us if you're unsure about a specific zip code.
What's the maximum ARV you'll lend to?
Typically we'll lend up to 70–75% of ARV, depending on the market and deal specifics. On very strong deals in liquid markets, we've gone to 80% ARV. Submit your scenario and we'll model it exactly for your deal.
How are rehab draws handled?
Rehab funds are held in escrow and released in draws as work is completed. We use a simple inspection-based process — typically 2–4 draws depending on the project scope. No draw management fees.
Can I close in an LLC or entity?
Yes — and it's required. All loans are made to properly formed business entities: LLCs, corporations, partnerships, and similar structures. We do not lend to individuals in their personal capacity. If you don't yet have an entity formed, we recommend doing so before submitting a deal.
What if the project takes longer than expected?
Loan extensions are available. Reach out before your term expires and we'll work out an extension arrangement rather than let the loan go into default. We'd rather see the deal completed successfully than create unnecessary stress.
Do you charge a prepayment penalty?
Most of our fix and flip loans have a short prepayment period (typically 3 months minimum interest). We'll outline the exact terms clearly in your term sheet before you commit to anything.
24-hour review
Submit your fix & flip deal

Every submission is reviewed by the principal personally. You'll hear back within one business day with a real answer — not a form rejection.

  • No application fee to get a term sheet
  • Personal review — no automated scoring
  • Term sheet within 24 hours of submission
  • Close in as few as 5 business days
  • Rehab draws set up from day one
Your information is confidential and never sold. Submitting this form does not obligate you to proceed.