Loan programs Fix & flip loans
Fix and flip loans for real estate investors who need to close fast
Fix and flip opportunities don’t wait. At Apollonia Equities, we provide fix-and-flip loans nationwide, helping real estate investors buy, renovate, and resell properties quickly and confidently. You get fast approvals, flexible funding, and a direct lending team that builds each loan around your project, so you can focus on execution and profit.
/ Overview
What is a fix & flip loan?
A fix-and-flip loan is a short-term real estate loan used to purchase a property, complete renovations, and then sell it at a profit. These loans are designed specifically for investors and prioritize the value of the property and the strength of the project over traditional credit requirements. At Apollonia Equities, we look at the deal, not just the paperwork, so you can act when opportunity knocks.
/ Loan parameters
Program parameters
- Loan amount
- $250K–$10M
- Rates
- Starting at 8.99%
- Leverage
- Up to 90% of purchase, 100% of rehab, max 75% ARV
- Term
- 6–24 months
- Minimum FICO
- 620
Apollonia Equities makes business-purpose loans secured by non-owner-occupied real estate. Not for consumer, personal, family or household use. All terms shown are indicative, represent maximum available parameters, and are subject to underwriting, appraisal, title, borrower experience and final credit approval. Maximum leverage and lowest advertised pricing are not available on every transaction or to every borrower. Loan amounts, rates, terms and timelines vary by program, market and asset. This is not a commitment to lend.
/ Why Apollonia
Why investors nationwide choose Apollonia Equities
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Speed that matches the market
We know timing is everything. Our underwriting process is built to move quickly so you can compete, win deals, and close without delays. You’ll have a single point of contact who keeps you informed from initial review through closing.
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Flexible financing structures
No two projects are alike. Our fix and flip loans offer flexible terms and structures based on your purchase price, renovation budget and exit strategy. We finance up to a high percentage of purchase and rehab costs, and we tailor repayment schedules to match your timeline.
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Streamlined, no-nonsense process
We eliminate unnecessary friction. Our application is straightforward and our team is transparent about what’s needed, which means less paperwork and quicker decisions.
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Reliable execution
We’re a direct lender with committed capital. That means we can close when we say we will. Our goal is to help you finish renovations on time, sell quickly and move on to your next project.
Start your next fix-and-flip with confidence
The difference between a missed opportunity and a profitable deal often comes down to financing. With Apollonia Equities, you gain a partner focused on helping you move faster, reduce friction, and close with certainty anywhere in the U.S.
Ready to fund your next fix and flip? Connect with us today and take the next step toward closing your next investment.
Get approved in 24–48 hours Direct lender No upfront fees
/ The difference
What makes our lending approach different
Traditional lenders often slow projects down with rigid requirements and long approval timelines—delays that can cause investors to miss opportunities or lose deals altogether. In the fix-and-flip space, timing is critical, and financing needs to move at the same pace as the market. At Apollonia Equities, we take a more practical, investor-focused approach—built specifically for projects that require fast closings, efficient funding, and the flexibility to execute renovations without unnecessary disruption.
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We look at the after-repair value
We evaluate the property’s after-repair value (ARV) and the strength of your renovation plan, not just its current condition or your personal credit.
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We finance the purchase and the rehab
Our loans are designed to cover both acquisition and renovation costs, so one lender funds your project from purchase through the final walkthrough.
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We work with first-time and seasoned flippers
Whether this is your first flip or one of many, each project is evaluated on its own numbers: purchase price, renovation budget, and exit strategy.
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We build repayment around your resale
Repayment schedules are tailored to your timeline, so your financing supports a fast renovation and sale instead of working against it.
/ FAQ
Common questions about fix & flip loans
How fast can I close?
Closings can happen quickly depending on deal readiness, allowing you to compete in fast-moving markets nationwide.
Do I need prior experience?
No. We work with both new and experienced investors.
What is ARV and why does it matter?
ARV (after-repair value) is the projected value of the property after renovations. It plays a key role in determining loan structure and potential profitability.
Can renovation costs be included?
Yes. Our loans are designed to cover both acquisition and rehab expenses.
How are renovation funds released on a fix and flip loan?
Renovation funds are typically released through construction draws as work is completed. The draw schedule is based on the approved renovation budget and allows investors to access capital throughout the project rather than funding the entire renovation out of pocket.
How much of the purchase price and renovation costs can Apollonia Equities finance?
Apollonia Equities can finance up to 90% of the purchase price and up to 100% of eligible renovation costs, subject to a maximum of 75% of the property’s after-repair value (ARV). Final leverage depends on the property, renovation scope, borrower experience, and overall strength of the transaction.
Can I refinance a fix and flip property I already own?
Yes. Apollonia Equities can provide fix and flip financing for both acquisitions and refinances. This can be useful if you purchased the property with cash, need additional capital to complete renovations, or want to refinance an existing loan while finishing the project.
The financing you need to close more deals
Apollonia Equities is a direct private lender providing tailored real estate financing to investors and developers nationwide. From fix & flip and bridge loans to DSCR, multi family, and ground-up construction, we deliver flexible capital, efficient execution, and certainty of close.