Fix & Flip Bridge Loans — Built for Investors Who Move Fast
Concierge Capital Partners delivers fast, flexible short-term financing for real estate investors and professional house flippers. Close quickly, renovate confidently, and maximize your returns.
In competitive real estate markets, speed and certainty of close are everything. Traditional lenders can't keep up. Concierge Capital Partners was built from the ground up to serve active investors — delivering bridge loan decisions in hours, not weeks, and funding deals that conventional banks simply won't touch.
48hrs
Approval Speed
Pre-approval decisions issued within 48 hours of application submission
90%
Loan-to-Cost
Up to 90% LTC available for qualified borrowers on select projects
$50M+
Loans Funded
Capital deployed across fix & flip and bridge loan projects nationwide
7 days
Time to Close
Close in as little as 7 business days when you need to move fast
Our Loan Programs
Fix & Flip Bridge Loans
Our most popular bridge loan program for experienced investors is purpose-built for acquiring, renovating, and reselling residential properties. Whether you're flipping a single-family home, a small multi-unit, or a distressed property, we structure financing around your deal — not around a rigid checklist.
Standard — Most Popular
8.25%*
Starting Rate
Lowest available pricing for qualified borrowers
12–18 months
Term Length
Flexible short-term financing window
100%
LTC
Maximum loan-to-cost available
100%
Rehab Financing
Full renovation budget coverage
$50K–$3.5M
Loan Range
Flexible loan amounts for a wide range of projects
Available
Interest Reserves
Per lender discretion
Eligible
Portfolio Loan
Available for qualifying borrowers
Property Types We Finance
Single-family residences (SFR)
2–4 unit multifamily properties
Condos and townhomes
Non-owner occupied only
Distressed and value-add assets
Nationwide lending coverage
*Rates shown are the lowest possible options. Actual rates vary based on FICO score, experience, and project details. Non-owner-occupied only.
Gap Funding
Cover Your Down Payment & Closing Costs — Gap Funding Available
Can't cover the full down payment, closing costs, first draw, or interest reserves out of pocket? Our Gap Funding program is designed to bridge that gap — exclusively available in conjunction with our own Fix & Flip loans. We do not offer gap funding behind another Fix & Flip lender. No contract required, proof of funds available, and a quick quote takes under 5 minutes.
Fix & Flip | Fix2Rent + Gap Funding
Starting rate: 12%*
100% financing available (Cross-Collateralization Options)
Up to 100% LTC (Case-by-case basis)
Minimum credit score: 680
Minimum 15% ROI on gap required
2% Origination Fee (starting fee structure)
Connector Fee: 2%–5% of the total funds being provided (this fee is often added on top of the loan amount)
Cross-collateral required if CLTV exceeds 75%
Portfolio Loan: Eligible
Important Notes
Gap funding is exclusively provided alongside our own Fix & Flip loans
We do NOT offer gap funding behind another Fix & Flip lender
Proof of funds letter available upon request
Cross-collateralization options available
Connector fee is often added on top of the loan amount
All loans are non-owner-occupied residential properties only
Creative financing isn't just about deals—it's about solving problems, building relationships, and creating opportunities where others see obstacles. That's how you win in real estate.
— Pace Morby, Verified Real Estate Investor
Special Programs
Foreclosure Bailouts & Cash-Out Refinances
Not every borrower fits a standard profile — and that's exactly where we step in. For distressed homeowners facing foreclosure or investors seeking creative solutions mid-project, Concierge Capital Partners offers flexible funding options that conventional lenders won't touch.
Foreclosure Bailouts & Cash-Out Refis
FICOs 500+ | Creative Solutions for Distressed Homeowners
A Fresh Start For Borrowers
Flexible Funding for Defaults & Mid-Construction
FICO scores 500+ accepted
Non-owner-occupied residential properties only
Creative underwriting for distressed situations
Is This Program Right for You?
Homeowners or investors facing foreclosure
Borrowers with mid-construction project defaults
Investors needing cash-out on existing properties
Situations where conventional lenders have said no
Time-sensitive scenarios requiring fast decisions
Fix2Rent
Renovate to Rent — The Fix2Rent Bridge Solution
Not every flip ends in a sale. For investors building a long-term rental portfolio, our Fix2Rent program bridges the gap between acquisition and permanent financing. Renovate the property using our short-term bridge loan, stabilize it with tenants, then seamlessly transition to a long-term DSCR or rental loan — all within the Concierge Capital Partners ecosystem.
Acquire
Close fast on value-add rental properties with our bridge loan. Compete with cash buyers and win more deals.
Renovate
Draw down renovation funds in stages as work is completed. Up to 100% of rehab costs covered for qualified investors.
Stabilize
Lease up the property, establish rental income, and build the track record needed for long-term refinancing.
Refinance
Transition smoothly into a permanent DSCR loan. Keep your rental, preserve your capital, and scale your portfolio.
How Our Loan Process Works
We've stripped away the complexity and red tape that slow down traditional lenders. From first contact to funded loan, our streamlined process is designed to keep your deals on track and your pipeline moving.
Our dedicated loan advisors guide you through every step — from structuring your deal to coordinating the closing. You'll always have a real person to call, not a ticket queue.
Loan Parameters
Flexible Terms Structured Around Your Deal
No two flips are identical, and your financing shouldn't be either. Concierge Capital Partners structures each loan based on the specific property, your experience level, and the overall project scope. Below are our standard lending parameters — contact us to discuss how we can tailor a solution for your next project.
*Rates represent the lowest possible options and vary based on FICO score, experience, and project details.
Borrower Eligibility
Who Qualifies for a Concierge Capital Bridge Loan?
We lend to a wide range of real estate investors — from first-time flippers to seasoned professionals managing multiple projects simultaneously. Our underwriting focuses on the asset and the deal, not just your credit score or W-2 income.
Experience Level
We work with first-time flippers and experienced investors alike. Experienced borrowers with 3+ completed flips unlock enhanced leverage and better pricing.
Entity Structure
Loans are made to LLCs, corporations, and other business entities. Personal loans for investment properties are not available. Standard for serious investors.
Credit Requirements
Minimum 620+ FICO required for standard Fix & Flip loans. Gap Funding requires 680+ minimum FICO. Higher scores qualify for better rates and leverage. We look at the full picture, not just the number.
Liquidity
Borrowers must demonstrate sufficient reserves to cover down payment, closing costs, and a reasonable cushion for project contingencies.
What Our Investors Say
From first-time flippers to multi-project professionals, investors across the country trust Concierge Capital Partners to fund their deals quickly and reliably. Here's what a few of them have to say.
"Concierge Capital closed my deal in 9 days when two other lenders fell through at the last minute. They saved the transaction and earned a client for life. I've done six loans with them since."
— Marcus T., Phoenix AZ | 14 flips completed
"The Fix2Rent program was exactly what I needed to build my rental portfolio. I flipped the renovation costs into a DSCR loan seamlessly. The team walked me through every step."
— Diane R., Atlanta GA | 8-unit rental portfolio
"As a first-time flipper, I was nervous about hard money lending. Concierge Capital made it easy to understand, explained every fee upfront, and delivered exactly what they promised."
— James L., Dallas TX | First flip, $58K profit
5
Closing Speed
Rated 5 stars for fast, reliable closing timelines
Over 70% of clients return for a second or third loan
About Us
Meet Concierge Capital Partners
Concierge Capital Partners is a private direct lender specializing in short-term bridge financing for residential real estate investors across the United States. Unlike hard money brokers who shop your deal to multiple lenders, we are the lender — meaning faster decisions, greater certainty, and a single point of accountability from application to funding.
Our team combines deep real estate expertise with a genuine commitment to investor success. We underwrite deals with a common-sense approach, focusing on asset quality, project viability, and borrower experience. Whether you're acquiring your first flip or scaling to 20+ projects per year, we have the capital and the expertise to support your growth.
Direct Lender
We fund from our own capital — no brokering, no middlemen, no surprises at the closing table.
Common-Sense Underwriting
We look at the whole deal. Asset value, renovation scope, and your track record all factor into our decision.
Investor-First Culture
Every team member at Concierge Capital has skin in the real estate game. We speak your language and understand your goals.
Get Started
Ready to Fund Your Next Flip?
Don't let slow financing cost you your next deal. Concierge Capital Partners is ready to move as fast as you do. Submit a quick inquiry today and a dedicated loan advisor will reach out within one business day to discuss your project, walk through our terms, and help you determine the best path forward.
Call Us Directly
Speak with a loan advisor today. We pick up the phone and answer your questions without the runaround.
Submit an Application
Complete our short online application in minutes. No commitment required — just tell us about your deal and we'll get back to you fast.
Get Pre-Approved
Receive a term sheet within 48 hours so you can make offers with confidence and compete with all-cash buyers.