Fix & Flip Loans
Fast private financing for residential acquisitions and renovations. Up to 90% LTC. Close in as few as 5 days with our hard money lending program.
Fix & Flip Loans
Fast private financing for residential acquisitions and renovations. Up to 90% LTC. Close in as few as 5 days with our hard money lending program. As a direct private lender with discretionary capital, we underwrite based on the asset — not personal income. Alternative lending for serious investors who can’t wait 60–90 days for a bank decision.
Our asset-based lending approach means faster decisions, more flexible structures, and a dedicated loan manager on every transaction from application to payoff.
Program Requirements
- Up to 90% of total project cost (purchase + rehab)
- Residential SFR, 2–4 units
- Minimum 620 credit score
- Experience not required for first deal
- 6–18 month interest-only terms
- Loans from $100K to $5M
Fast Loan Approval: Submit your deal details and receive a formal term sheet within 24 hours. No application fee, no obligation.
Close in 4 Simple Steps
Submit
Complete the loan inquiry form. No fees, no commitment.
Term Sheet
Receive a formal term sheet within 24 hours of submission.
Underwriting
Asset reviewed, appraisal ordered. Completed in 3–5 days.
Funded
Loan docs issued, funds wired in 5–10 business days.
Sample Funded Transactions
No Collateral. No Property Liens. Fast Decisions.
Not every opportunity comes with a building to pledge. Our unsecured business loans from $25K to $2M are approved on the strength of your revenue, cash flow and track record, so your property, equipment and personal assets stay free. Decisions arrive in 24–48 hours, with funding in days.
Why borrowers choose unsecured
- Keep real estate and equipment unencumbered
- Credit decisions in 24–48 hours
- Funding typically in 3–5 business days
- Fixed payments and transparent pricing
- Use funds for almost any business purpose
- Available in the U.S., Canada, UAE & UK
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Fund Your Most Popular Deal?
Submit your loan request and get a formal term sheet within 24 hours. No application fee — just fast private financing from a direct lender.