When you’re acquiring, renovating, and reselling property, timing is everything. ARC Private Lending provides fix and flip loans in California designed for speed, flexibility, and asset-based underwriting. Instead of getting stuck in lengthy bank processes, you get actionable capital, interest-only payments, structured rehab draws, and a clear path to closing—so you can focus on execution and profit.

Who This Program Is For

Our fix & flip financing is ideal for:

  • House flippers—from first-time investors to seasoned operators.

  • Small developers and LLCs that need quick close hard money.

  • Buyers of auction, off-market, distressed, or short-timeline properties.

Why Investors Choose ARC

  • Speed to close: Streamlined, property-first underwriting that aims to close in roughly 5–10 business days (title and valuation dependent).

  • Flexibility: Pragmatic credit view, support for unique property conditions, and realistic construction timelines.

  • California expertise: Local comps, micro-market knowledge, and investor-friendly processes that remove friction.

  • Relationship driven: Repeat borrowers benefit from smoother approvals and efficient draw management.

Loan Terms Snapshot

  • Term: Typically 6–12 months; extensions available where appropriate.

  • Repayment: Interest-only with balloon at maturity to optimize monthly cashflow.

  • Leverage: Purchase LTV and ARV-based structures available (conservative ranges).

  • Fees & Points: Transparent and based on risk, timeline, and complexity.

  • Rehab Budget: Managed through a milestone-based draw schedule; inspections as needed.

  • Prepayment: No heavy prepayment penalties typical to flips (case-by-case).

Eligible Properties

  • SFR (1–4 units), condos, and townhomes.

  • Small multifamily with clear value-add scope.

  • Some mixed-use considered case-by-case.

Use Cases We See Most

  • Cosmetic to full-scope rehabs with defined scopes of work.

  • Auction wins where funds must deploy in days.

  • Contract fall-outs where bank financing couldn’t hit the timeline.

  • ARV-driven opportunities requiring hard money fix and flip capital.

How the Process Works

  1. Pre-Qualify: Share deal summary, entity details, and your scope Pre-Qualify.

  2. Valuation & Scope Review: Provide purchase contract, comps, budget, and timeline.

  3. Term Sheet: You’ll receive clear economics and an expected draw schedule.

  4. Close & Fund: We coordinate title/escrow/insurance and fund quickly after diligence.

How Rehab Draws Are Released

  • Draws align to your approved budget and milestones.

  • Inspections confirm completed work for swift reimbursement.

  • Change orders are considered case-by-case with documented updates.

Managing Risk & Your Exit


A successful flip depends on a credible exit strategy. Whether you plan to list and sell, assign, or refinance into DSCR/permanent financing, we review assumptions—timeline, comp realism, and holding costs—so you’re positioned to exit on schedule.

FAQs

Do I need prior flip experience? Not necessarily. First-time flippers are welcome with a strong plan and qualified contractor.

Can I finance an owner-occupied property? This program is typically for investment properties.

How fast can we close? Many deals target 5–10 business days, depending on title and valuation speed.

What’s the maximum leverage? Purchase LTV and ARV caps vary by risk; share the numbers for a tailored quote.