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Fix and Flip Loans

Faster than a bank. Cheaper than hard money. Great leverage.

Kick A$$ Real Estate Loans for Investors by Investors

No Preliminary Credit Check Baby!

Fix and Flip Loans: Finance Up to 90% Loan-to-Cost of Purchase and Repairs

6 to 24 Month Terms | 10-20% Down | Interest Rates as Low as 8.99%.

Up Your Game! Faster Closings = More Deals. Greater Leverage = Less $ Out of Pocket.

Our Fix and Flip Loans are for investors like you, who need reliable and flexible funding, and who need it now. We understand that in today’s competitive markets, you need to know that you have capital behind you that is ready to go when you are. Our “alternative” non-bank Fix and Flip loans give investors access to less expensive capital than hard money, with fast closings, flexible terms, and reliable funds.

Financing for purchase and repairs with fast approval, speed-to-close, higher leverage than a bank and hard money lenders, reliable funds, customized terms, moderate underwriting requirements.

  • Quicker loans = quicker deals = fewer deals lost
  • Greater leverage = less money out of pocket = more deals annually
  • Reliable funds = confidence at closing
  • No hidden fees = no surprises

WE ARE INVESTORS, JUST LIKE YOU. We have been buying and building real estate in the greater Philadelphia market since 2008. We built this lending platform for investors after our own personal lending experience.

  • Full-service capabilities from initial offer to sale of property
  • Creative structuring
  • Control costs and avoid bad investment property deals

As an iFC client, you can count on having a transparent, supportive relationship with our team as your financing and project partner.

  • We pick up the phone when you call
  • No upfront credit check for initial conversation and quote
  • You have increased confidence at every stage
  • You have experienced investors to lean on

The Bottom Line: You can sleep at night!

Our Fix and Flip Loans fund up to 90% Loan to Cost* of purchase and rehab, with 6-to-24-month terms, 10-20% down, and interest rates as low as 8.99%.

*We fund up to 90% LTC or 75% LTARV (whichever is less) for experienced investors.

Supporting your fix and flip project with fast, flexible funding!

For real estate investors looking to purchase and renovate their properties

We Show Up And We Deliver!


Low rates. Flexible terms. Fast. Transparent. Reliable.

Just like you … we’re hustle and grit, not suit and tie.


“I have millions in loans from banks. The big problem with a house like this is that it is so unique that I needed a company that had a slightly higher risk tolerance than most banks would take on. iFC was the first one who said, ‘We love what you are doing.’ They had the flexibility to work the numbers of the purchase price of the property and the rehab for it to make sense.”
Amogh Karney, Luxury Fix and Flip Investor, Kansas City, Missouri

Fix and Flip Financing: FAQS

i Fund Cities offers rates as low as 8.99%.

Word of caution: do not believe the marketing gimmicks you see out there in the lending world. Rates are always determined by the following criteria:

  • Real estate asset
  • Investor experience
  • Investor credit score
  • Investor liquidity
iFC offers Fix and Flip Loan terms of 6 to 24 months.
Yes. We lend 100% of the construction financing and up to 80% of the purchase price of the asset.

We offer Fix and Flip Loans on the following property types:

  • Single Family Residences
  • Townhomes
  • Condos
  • Short-Term Rentals
  • For 5+ units see Multifamily Bridge Loan
We do not fund properties designated as “rural.”

Yes. For Fix and Flip Loans, we require a minimum FICO score of 600.

Our minimum loan amount is $75K, and our maximum loan amount is $5M.
We lend in all 50 states except for California, New York, and Nevada.
iFC can provide Fix and Flip Loans to both U.S. Citizens and Foreign Nationals.

For Fix and Flip lending, our underwriting process is less extensive than a traditional bank, and we make it as transparent and straightforward as possible.

Documents needed:

  1. Contact info for Buyer (and Guarantors), and Title, and Insurance Companies
  2. Loan Application + Driver’s License
  3.  Agreement of Sale or Deed
  4. Buyer’s Real Estate Experience/History
  5. Project/Entity Information
  6. Construction Budget
  7. 2-Month’s Bank Statements
  8. ACH Wire Transfer Info and W-9
Yes. We do an appraisal using LOCAL appraisers. (Using appraisers from large, national appraisal management companies can impact appraisal quality and slow down the loan process.)
Yes. You will need to have an LLC, a Limited Partnership, a General Partnership, a Corporation, or a Trust.
As the borrower, you are not able to live in the property. However, a family member can occupy your Fix and Flip property.
Choosing the right capital partner for your real estate investment loans can be a game-changer (so choose wisely)! As investors ourselves, we know the game. We can help you learn it, fund it, and nail it.


Fill out the quick quote form for our loan officer to review and we will get in touch ASAP!


The iFC Fix and Flip Loan Process

In competitive markets, where speed is everything, we can get you funds to close in as little as 7 days.
Fill out our deal form and get a quote in under two minutes. Once complete, someone on our team will follow up with a customized lending solution and terms.
We then issue preliminary pricing for your review. If the price is right, and you wish to move forward with iFC, a formal term sheet will be digitally issued for your signature. Sign and we will kick things into high gear!
Paperwork sucks, but we are here to help you along the way. After we collect the agreement of sale, construction budget, title, and insurance contact information from you, we order your appraisal from a LOCAL company, (not a national appraisal management company, which can impact appraisal quality and delay your loan).
Provide us with supporting documents in a timely fashion (your real estate experience, driver’s license, entity information, and source of cash), and we will get you to closing in as little as 7 days.
We Are Real Estate Savvy, Entrepreneurial, Investors (Who Give a Damn About Your Success!)

We work relentlessly to make sure our customers’ lending experience is nothing shy of outstanding. Brought together by Philadelphia, a couple of beers, and a passion to do the impossible, the i Fund Cities team was formed.

Supportive of one another, the iFC team members are the type of people you want to be around—they inspire, motivate, and enjoy the company of their clients and partners.

Building strong relationships and impactful lending practices are the core values that drive the iFC team.

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