How Fix & Flip Loans Work

From application to closing to renovation funding, here's exactly what to expect when you work with Zeus Commercial Capital.

The Fix & Flip Loan Process

Five clear steps from application to profit

1. Submit Your Deal

5-10 minutes

Complete our streamlined application with property details, renovation budget, and borrower information. We'll review your submission within 24-48 hours.

2. Underwriting & Approval

5-10 business days

Our team shops your deal across our network of lenders to find the best terms. We'll request additional documentation and answer any questions during this phase.

3. Closing & Funding

3-5 business days

Once approved, we coordinate with the title company and lender to close your loan. Funds are typically available within 3-5 business days after final approval.

4. Renovation Phase

3-6 months

Access rehab funds on a draw schedule as you complete renovation milestones. An inspector verifies work before releasing each draw to ensure quality and progress.

5. Sale & Payoff

1-3 months

Once renovations are complete, list and sell the property. Loan payoff happens at closing, and you keep the profit. We can also help you refinance into a rental loan if plans change.

Why Work with Zeus Commercial Capital?

As a business-purpose finance brokerage, we provide advantages that direct lenders can't match

Fast Approval

Get initial feedback within 24-48 hours and full approval in 5-10 business days.

Nationwide Coverage

We work with lenders in all 50 states, so you can flip properties anywhere.

Competitive Terms

As a brokerage, we shop your deal to multiple lenders to secure the best rates and terms.

Flexible Qualification

Programs for both experienced investors and first-time flippers with the right deal structure.

Expert Guidance

Our team helps you structure your capital stack and navigate the entire process.

Multiple Exit Strategies

Sell, refinance into a rental loan, or extend your term if needed.

What You'll Need to Get Started

Gather these items before applying to speed up the process

Borrower Information

  • Proof of identity (driver's license or passport)
  • Credit authorization form
  • Proof of funds/reserves (bank statements)
  • Entity documents (if applicable)
  • Experience summary (previous flips)

Property & Project Details

  • Property address and purchase contract
  • Detailed renovation budget and scope of work
  • Contractor estimates (for major work)
  • Comparable sales (comps) supporting ARV
  • Property photos (current condition)

Ready to Get Started?

Submit your deal today and get initial feedback within 24-48 hours.