RATES STARTING AT 9.75%*
Fix & Flip Loans – Strategic Capital for Value-Add Investments
Fast, Flexible Capital for Real Estate Investors
At Trans-Bay Capital, we provide tailored fix & flip financing solutions for investors who seek to acquire, renovate, and reposition properties for maximum returns. Whether you're scaling your portfolio or capitalizing on a distressed asset, our short-term financing ensures the liquidity and speed required to execute your investment strategy with precision.
As a direct lender, we offer structured financing with flexible terms, enabling experienced investors to move quickly and capitalize on market opportunities without unnecessary delays.
Why Partner with Trans-Bay Capital?
Expedited Approvals & Closings – Receive pre-qualification within 24 hours, with closings in 3-4 weeks.
Strategic Leverage – Finance up to 90% of the purchase price and 100% of renovation costs.
Flexible Loan Structures – Loan amounts from $350,000 to $3 million, tailored to fit your project scope.
No Prepayment Penalties– Maintain control over your exit strategy with zero prepayment fees.
Experienced, Investor-Focused Lending – Work directly with a lending team that understands real estate investing.
Designed for Institutional & Experienced Investors
We work with investors who understand the value of strategic capital deployment. Whether acquiring distressed assets, foreclosures, or high-potential redevelopment projects, our fix & flip loans offer the speed and flexibility required to maximize returns and scale efficiently.
Ideal for:
✔ Institutional investors seeking structured financing for large-scale acquisitions.
✔ Seasoned developers executing high-margin repositioning strategies.
✔ Real estate funds & portfolio managers deploying capital in value-added opportunities.
✔ Experienced independent investors optimizing distressed property acquisitions.
Streamlined Loan Process
Step 1: Loan Inquiry – Submit your deal details for review.
Step 2: Pre-Qualification – Receive a decision within 24 hours.
Step 3: Due Diligence & Structuring – We work with you to finalize terms.
Step 4: Closing & Funding – Receive capital in as little as 3-4 weeks.
Step 5: Execute & Exit – Maximize your investment returns with strategic financing.
States Where We Provide Lending
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Fix & Flip Capital Structure & Loan Terms
Tailored financing solutions for real estate investors seeking short-term capital to acquire, renovate, and reposition properties.
Fix & Flip (Residential 1-4 Units)
LOAN AMOUNT:
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Min: $350,000
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Max: $3,000,000
PROPERTY TYPE:
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Residential 1-4 Units
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Townhomes
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Condos
LOAN TERM:
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12 months, Up to 24 months at Lender Discretion
MAX LTC:
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85% of total project costs
MAX LTV:
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Up to 90%
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Up to 100% of the rehab costs
FICO SCORE:
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650 Midscore
EXPERIENCE:
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All levels considered (leverage based on experience)
RECOURSE:
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Full Recourse
Brokers: Partner with Us & Elevate Your Success
Join Trans-Bay Capital and gain access to exclusive lending opportunities, expert resources, and competitive compensation structures. Partnering with us means leveraging our industry expertise and direct lending advantage to better serve your clients and grow your business.
Register below to start collaborating with a team that’s committed to your success.
Let's Talk
Fill out the form below, and one of our knowledgeable sales team members will contact you directly to discuss your goals and address any questions you may have.