Guide · 2026
Best Fix & Flip Lenders Start With Published Terms
“Best” isn’t just about the lowest rate. Look at who funds the loan, what they publish for leverage and 100% LTC, and how clearly you can see the terms before applying. CR Equity AI is a direct lender—we lend our own capital.
- Fastest fund
- 24-48 hours
- To see terms
- 5 minutes
- Credit to see terms
- Soft pull
- 100% LTC
- 3 projects · ≤$1M
How to compare
Four tests. No invented rate sheets.
Use four simple tests when comparing Fix & Flip lenders: who funds the loan, how much they will lend, what they charge, and how clearly they publish their terms.
CR Equity AI publishes its own current terms on this page. Competitor figures come from our competitive-intelligence dataset — Figure, Anchor Loans, Arbor Realty, and Lument — not a paste of another lender’s rate sheet.
01
Who funds the loan
Ask who puts capital on the line. CR Equity AI is a direct lender. We lend our own capital.
02
How much they will lend
Up to 100% LTC on Fix & Flip: three closed projects and a loan of $1,000,000 or less. Always “up to.” Credit score does not gate that 100% advance.
03
What they charge
CR Equity AI publishes its fee schedule. Bridge-schedule floors: rate from 10.99%, 1.50% lender fee, $999 AIVAA™ fee, $595 application fee. The executed term sheet is controlling.
04
How clearly they publish terms
If a lender will not write the conditions, treat the headline as marketing. Confirm current terms with them.
CR Equity AI
What we publish
Up to 100% LTC on Fix & Flip: three closed projects and a loan of $1,000,000 or less. Always “up to.” Credit score does not gate that 100% advance.
First-time investors do not qualify for 100% LTC. On the published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV.
Direct lender. We lend our own capital. Business-purpose lending in 48 states. Loan size $100K-$100M. Funded in as little as 48 hours once title is clear. Typical close is 9–15 days on bridge, 15–21 days on DSCR
Program page: Fix & Flip loans.
Landscape peers
Figure, Anchor, Arbor, Lument
Figure: Fintech · Blockchain Lender. Category: Consumer Fintech. Scale in our dataset: $10B+ Originated.
Anchor Loans: Private Lender · Fix & Flip. Category: Niche Investor RE. Scale in our dataset: $3B+ Originated.
Arbor Realty: REIT · Agency Lender. Category: Institutional Agency. Scale in our dataset: $30B+ AUM.
Lument: CRE · Multifamily Finance. Category: Institutional CRE. Scale in our dataset: $60B+ Transactions.
Side-by-side tables: vs Figure · vs Anchor Loans · vs Arbor Realty · vs Lument · all comparisons.
First-time investor
100% financing is not the first-deal product
First-time investors do not qualify for 100% LTC. On the published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV.
If a “best lenders 2026” list implies every first-time flipper gets 100% LTC, that list is selling a headline. The condition is the product.
Borrower type
ITIN and foreign national? Here’s what applies.
ITIN and foreign-national status describes the borrower, not the loan type. For investment property, the published program is DSCR. Second-home financing requires full documentation.
These programs are separate from the 100% LTC Fix & Flip option.
Questions
Best lenders questions
This guide is published by CR Equity AI. Path: /guides/best-fix-and-flip-lenders.
The honest test is published conditions, who holds the loan, and how you get a number. CR Equity AI is a direct lender. Up to 100% LTC on Fix & Flip: three closed projects and a loan of $1,000,000 or less. Always “up to.” Credit score does not gate that 100% advance. Soft credit pull only — no hit to your score to get terms Landscape peers in our dataset include Figure, Anchor Loans, Arbor Realty, and Lument.
Not on CR Equity AI’s 100% LTC box. First-time investors do not qualify for 100% LTC. On the published Bridge grid, a first-time investor with a 660–699 credit score starts at 70% LTV.
Direct lender. We lend our own capital.
From CR Equity AI’s competitive-intelligence dataset — the same source that powered /competitive-intelligence. We do not paste another lender’s rate sheet into these pages.
Next step
See terms on your deal
Real terms in 5 minutes. Soft credit pull only — no hit to your score to get terms. Direct lender. We lend our own capital.
See my terms