Selecting the wrong fix-and-flip bridge lender can erode $10,000 to $25,000 of net flip profit through Dutch interest charges, slow 10-day draw inspections that stall contractors, or surprise ARV hair-cuts 48 hours before closing. Below is our 2026 ranking of the top national fix-and-flip bridge lenders based on verified underwriting specs.
| Lender & Specialty | Interest Rate & Points | Max LTC / ARV | Loan Amounts | Min FICO | Close Speed | Action |
|---|---|---|---|---|---|---|
|
Top Overall Fix & Flip Lender
Kiavi
Best for Tech-Enabled Fix & Flip and Fast Closings
|
8.25% to 11.50%
Points: 1.0% to 2.0%
|
100% LTC
Up to 80% ARV
|
$75K to $5M
49 States + DC
|
640+ | 7 to 10 business days | View Terms Review |
|
Best Low-Credit & STR Bridge
Easy Street Capital
Best for Low-FICO Investors & 48-Hour Term Sheets
|
8.90% to 11.90%
Points: 0 to 2.0% + $1,995 doc fee
|
93% LTC
Up to 75% ARV
|
$75K to $5M
46 States
|
600+ | 5 to 10 business days | View Terms Review |
|
Best Multifamily & Construction
Lima One Capital
Best for Heavy Rehab, Ground-Up & Multifamily Bridge
|
7.75% to 11.75%
Points: 1.5% to 2.5%
|
95% LTC
Up to 70% ARV
|
$100K to $10M
46 States + DC
|
660+ | 10 to 14 business days | View Terms Review |
|
Best Repeat Investor Pricing
RCN Capital
Best for Repeat Fix-and-Flip & Wholesale Acquisitions
|
9.49% to 11.75%
Points: 1.5% to 2.5%
|
100% LTC
Up to 75% ARV
|
$75K to $3M
44 States
|
650+ | 10 to 14 business days | View Terms Review |
|
Best Portfolio & Institutional
CoreVest Finance
Best for Portfolio Bridge Lines & Commercial Aggregators
|
8.75% to 10.75%
Points: 1.0% to 2.0%
|
93.5% LTC
Up to 70% ARV
|
$75K to $50M
47 States
|
640+ | 14 to 21 business days | View Terms Review |
|
Best Small-Balance CRE Bridge
Versara Capital
Best for Small-Balance Commercial and Hard-to-Place Deals in 5 States
|
9.90% to 14.90%
Points: Flat $995 to $1,995 fee (no points)
|
100% LTC
Up to 80% ARV
|
$50K to $5M
5 States (AZ, TX, NC, GA, AL)
|
400+ | 48 hours to 7 days | View Terms Review |
|
Top Residential Equity Unlock
HomeLight Buy Before You Sell
Best for Owner-Occupants Unlocking Equity for a New Primary Home
|
Program Fee 1.5% to 2.4%
Points: 1.5% to 2.4% Unlock Fee
|
90% LTC
Up to 90% ARV
|
$100K to $2M
47 States (not AK, MA, NY)
|
620+ | 7 to 14 days equity approval | View Terms Review |
1. Kiavi: Best Overall for Speed & 80% ARV Leverage
Why It Wins: Kiavi leads the 1 to 4 unit fix-and-flip market with rates starting at 8.25%, origination points of 1.0% to 2.0%, Non-Dutch interest on rehab funds, and an 80% ARV cap that maximizes leverage in competitive metro markets.
2. Easy Street Capital: Best for 600+ FICO & Short-Term Rental Flips
Why It Wins: Easy Street Capital accepts FICO scores down to 600, issues binding term sheets within 48 hours, and offers seamless rollovers into its EasyRent STR and long-term DSCR programs, with fix-and-flip lending in 46 states.
3. Lima One Capital: Best for Structural Rehabs & In-House Draw Servicing
Why It Wins: Lima One Capital services 100% of its loans in-house, making it the premier choice for major structural renovations, square-footage additions, and 12 to 24 month rehab timelines.
4. RCN Capital: Best for Wholesale Acquisitions & Repeat Flippers
Why It Wins: RCN Capital offers transparent wholesale assignment fee financing and loyalty point discounts for experienced flippers completing 5+ deals per year.
5. CoreVest Finance: Best for High-Volume Portfolio Flippers
Why It Wins: CoreVest Finance provides revolving bridge credit lines from $1M to $50M so operators doing 10+ flips annually can draw and repay capital without re-underwriting every property from scratch.
Ready to size your next flip? Run your acquisition and rehab numbers in our Fix-and-Flip LTC & 70% ARV Cap Calculator.