Best Hard Money Lenders for Fix and Flip in 2026

The fix and flip market continues to attract real estate investors looking to renovate and resell properties for profit. To succeed in this competitive space, investors need access to fast and flexible financing. Hard money lenders provide this financing, offering short-term, asset-based loans that can help investors capitalize on fix and flip opportunities. In this article, we'll explore the best hard money lenders for fix and flip projects in 2026.

Top Hard Money Lenders for Fix and Flip

After researching and evaluating numerous hard money lenders, we've compiled a list of the top lenders for fix and flip projects. Here are our top picks:

1. ## Lima One Capital

Lima One Capital is a leading hard money lender specializing in fix and flip loans. With a focus on speed and flexibility, they offer loan terms up to 12 months, with loan-to-value (LTV) ratios of up to 90% on purchase and 75% on rehab costs. Lima One Capital has a streamlined application process and provides funding within 7-10 business days. Their experienced underwriters work closely with borrowers to understand their project needs.

1. ## Kiavi

Kiavi is a technology-driven hard money lender that offers fix and flip loans with terms up to 12 months. They provide LTV ratios of up to 85% on purchase and 100% financing on rehab costs. Kiavi's online platform allows borrowers to apply and track their loan progress in real-time. They offer competitive interest rates and fees, making them an attractive option for fix and flip investors.

1. ## CoreVest

CoreVest is a hard money lender that specializes in fix and flip loans, offering terms up to 12 months. They provide LTV ratios of up to 80% on purchase and 100% financing on rehab costs. CoreVest has a strong focus on asset-based lending, evaluating the potential after-repair value (ARV) of a property to determine loan amounts. Their experienced underwriters work closely with borrowers to understand their project needs.

1. ## Griffin Capital

Griffin Capital is a hard money lender that offers fix and flip loans with terms up to 12 months. They provide LTV ratios of up to 75% on purchase and 100% financing on rehab costs. Griffin Capital has a strong focus on building long-term relationships with borrowers, offering flexible loan terms and competitive interest rates. Their experienced underwriters evaluate each project on a case-by-case basis.

1. ## LendingOne

LendingOne is a hard money lender that specializes in fix and flip loans, offering terms up to 12 months. They provide LTV ratios of up to 80% on purchase and 100% financing on rehab costs. LendingOne has a streamlined application process and provides funding within 7-14 business days. Their experienced underwriters work closely with borrowers to understand their project needs.

1. ## New Silver

New Silver is a technology-driven hard money lender that offers fix and flip loans with terms up to 12 months. They provide LTV ratios of up to 85% on purchase and 100% financing on rehab costs. New Silver's online platform allows borrowers to apply and track their loan progress in real-time. They offer competitive interest rates and fees, making them an attractive option for fix and flip investors.

1. ## Atlas Capital Group

Atlas Capital Group is a hard money lender that specializes in fix and flip loans, offering terms up to 12 months. They provide LTV ratios of up to 75% on purchase and 100% financing on rehab costs. Atlas Capital Group has a strong focus on asset-based lending, evaluating the ARV of a property to determine loan amounts. Their experienced underwriters work closely with borrowers to understand their project needs.

1. ## 1st Equity

1st Equity is a hard money lender that offers fix and flip loans with terms up to 12 months. They provide LTV ratios of up to 75% on purchase and 100% financing on rehab costs. 1st Equity has a strong focus on building long-term relationships with borrowers, offering flexible loan terms and competitive interest rates. Their experienced underwriters evaluate each project on a case-by-case basis.

1. ## RCN Capital

RCN Capital is a hard money lender that specializes in fix and flip loans, offering terms up to 12 months. They provide LTV ratios of up to 80% on purchase and 100% financing on rehab costs. RCN Capital has a streamlined application process and provides funding within 7-14 business days. Their experienced underwriters work closely with borrowers to understand their project needs.

1. ## Cherry Creek Mortgage

Cherry Creek Mortgage is a hard money lender that offers fix and flip loans with terms up to 12 months. They provide LTV ratios of up to 75% on purchase and 100% financing on rehab costs. Cherry Creek Mortgage has a strong focus on asset-based lending, evaluating the ARV of a property to determine loan amounts. Their experienced underwriters work closely with borrowers to understand their project needs.

How to Use This List

When evaluating hard money lenders for your fix and flip project, consider the following factors:

• Loan terms: Look for lenders that offer flexible loan terms, including LTV ratios and loan durations that align with your project needs.
• Interest rates and fees: Compare the interest rates and fees offered by different lenders to ensure you're getting the best deal.
• Application process: Consider lenders with streamlined application processes and quick funding timelines.
• Underwriting: Look for lenders with experienced underwriters who understand the fix and flip market and can provide guidance on your project.

To get the most out of this list, research each lender thoroughly and reach out to them directly to discuss your project needs. Be prepared to provide detailed information about your project, including the property's purchase price, rehab costs, and ARV. By doing your due diligence and working with a reputable hard money lender, you can secure the financing you need to succeed in the fix and flip market.

In conclusion, the best hard money lenders for fix and flip in 2026 offer a combination of flexible loan terms, competitive interest rates, and streamlined application processes. By considering the lenders on this list and doing your research, you can find the right financing partner for your next fix and flip project.

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