Fix-and-Flip Loans
Quick, reliable capital for your next deal.
• Fast approvals—even for first-time investors
• No prepayment penalty
• As low as 10% down
• Up to 100% rehab funded (advanced draws) and no mortgage payments available
• Up to 75% ARV
Get approved today and start flipping tomorrow.
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About Us
TruWealth Capital offers fast, flexible private lending for real estate investors. We focus on your property's potential rather than paperwork, funding you in weeks, not months—and can close sooner if needed—so you can begin renovations immediately. We provide competitive options up to 95% LTC, as low as 10% down, up to 100% of rehab & advanced draws, up to 75% ARV (subject to qualification, underwriting, and experience).
As investors ourselves, we answer calls personally and respond to all inquiries within 48 hours because in real estate investing, timing is everything.
Private Money Lending vs. Conventional Financing
TruWealth Capital
Faster Approval Process: Often closes in 3-4 weeks versus 30+ days for conventional loans
Fewer Qualification Requirements: No need for W-2s, tax returns, income verification, or DTI requirements
Focus on Property Value: Lenders care more about the deal than personal finances
Higher Leverage Options: Can finance up to 90% of purchase price, up to 100% of rehab, and up to 75% of ARV
No Limit on Number of Properties: Unlike conventional loans which typically cap at 10 properties
More Flexible for Investors: Better suited for fix & flip, BRRRR strategy, and other investment approaches
Less Impact on Personal Credit: Many loans don't show on your personal credit report
Ability to Close in Business Entities: Provides liability protection
Experience Can Substitute for Perfect Credit: Compensating factors can offset lower credit scores
Conventional Financing
Stringent Qualification Process: Requires good credit, income verification, tax returns
Debt-To-Income Ratio Limits: Typically 43-45% maximum
Slower Approval Process: Often 30-45+ days to close
Lower Leverage: Usually limited to 75-80% LTV with no rehab funds or monthly mortgage payments rolled into your loan repayment
Limit on Number of Mortgages: Typically capped at 10 conventional loans
Strict Property Requirements: Property must be in move-in ready condition
Shows on Personal Credit: All loans appear on credit report affecting future borrowing ability
Less Flexibility for Investors: Terms designed for homeowners, not investors
How It Works
Fix and Flip loans with TruWealth Capital are designed to keep your projects moving fast. Whether you're flipping your first property or your fiftieth, our simple 3-step process gets you the funding you need — with less hassle, more leverage, and faster closings. These loans won’t appear on your personal credit report, and there are no limits on how many you can secure at once.
Submit Your Interest
Submit a quick online interest form and get pre-approved fast. We’ll review your project, experience, and property details to determine the best loan terms for your deal — no mountains of paperwork required or hoops to jump through.
Close Quickly & Start Renovating
Once approved, we move fast. Get funding in weeks, not months (can close sooner, if needed) — so you can purchase the property and begin renovations right away. We offer as low as 10% down up to 100% of rehab with advanced draws / up to 75% ARV.
Sell for Profit & Repeat
After the renovation is complete, sell the property and repay the loan. Keep the profit, and when you're ready, we’ll help you fund your next deal — scaling your portfolio one flip at a time. Ask us how you can scale your business or rental portfolio faster.
Frequently Asked Questions (FAQs)
How Fast Can I Get Funded?
Most deals close in 3-4 weeks, we can closer faster depending on how quickly we receive your documents. We prioritize speed so you don’t miss out on great opportunities. The more responsive at providing documents or additional information, the more likely it is to get funded faster.
What Kind of Projects Do You Fund?
We fund single-family homes (1-4), commercial properties, multifamily properties (5+ units), new construction, bridge loans, collateralization loans, and ground up development.
Do I Need Experience to Qualify?
Not necessarily! While experience helps, we work with both new and seasoned investors. The property, your personal credit, and your plan and best use of your property will all be considered. We like to help educate our borrowers so they can scale their business faster and get better finance rates/terms.
How Much Can I Borrow?
We offer as low as 10% down up to 100% of rehab with advanced draws / up to 75% ARV — giving you strong leverage to maximize returns. However, rates and terms depend upon the qualification of the property and the borrower.
Want to Work with Us?
From the moment you apply to the day you close, our team is here to support you every step of the way. We make the funding process smooth, transparent, and efficient — so you can move forward with confidence, avoid unnecessary delays, and focus on growing your real estate portfolio