Hard Money Loans for
New Construction Projects

Short-term, interest-only loans for residential new construction projects.

Get a loan commitment in about 24 hours.

Yes, “Flip” is in the name, but we offer financing for new construction projects, including up to 100% of construction costs.

Types of Projects

Single-Family Home
2 – 4 Family Properties
Townhouses and Condos

Max Term

up to 15 months


Interest-only loan, first position

Loan Amount


Loan to Cost (LTC)

Up to 85%

Construction Costs

Up to 100%

Exit Strategy

Rent + Sell
Rent + Refi Out


Currently lending in 35 states (see map below).

How is a New Construction Loan Different from Other Types of Hard Money Loans?

New construction loans differ from rehab loans in that the loan needs to accommodate the supplies, labor, inspections, etc. to construct the property — as well as the completed project.

Rehabbing a single family home

Who Do We Work With?

Fund That Flip works with experienced, professional redevelopers and rehabbers with the best deals in the best real estate markets. You’ve got a business to grow, and we’re not looking to mess around.

Looking to scale your business

4 completed and repaid deals in the past 24 months

Cash on-hand for the down payment and closing

VIPs looking for great rates

Get Funded

Fund That Flip by the Numbers

$2.6 Billion+ in Loans

to scale businesses and transform communities

93%+ Repeat Borrowers

6,500+ Homes & Rentals

transformed, revitalized, and built throughout the U.S.

8,700+ Jobs Created

by funding real estate investors

Why Get a Hard Money Loan from Fund That Flip?

As you’ve probably already experienced, maintaining and growing a network of private lenders is time consuming and inefficient — and that network has limited finances. Give your business the advantage by working with Fund That Flip.

Reliable Financing

We’re a direct hard money lender with a diverse capital stack — which means we can fund your project, we can fund it fast, and we can continue funding it as each project progresses.

Local Team

When was the last time your lender visited your jobsite? We have Territory Managers and Regional Sales Directors throughout the U.S. — many who invest in real estate themselves.


With private lenders, you can only take on as many projects as your network can finance. With us, bring us the good deals, and we’ll fund them. Many of our borrower partners double their completed projects when they start working with us.

24/7 Support

Beyond our local teams, we have an entire in-house team dedicated to you and your business. We guide you through every step of the loan process, close faster than anyone in the industry, and make sure your draws are fast and accurate.

Frequently Asked Questions


What is a construction loan?

A construction loan is a type of bridge loan or hard money loan. The loan is secured by the value of the asset to be built. The loan covers a portion of the cost to purchase the land, if needed, as well as the supplies, labor, etc. to build the property. The leverage is based off of the value of the finished property.


Can I finance construction costs?

Yes. We have the capability to fund up to 100% of construction costs. Similar to other funding mechanisms, after closing we'll hold a portion of the construction funds in escrow and release them as project milestones are met, subject to inspection.


Can I refinance out of a hard money loan?

Yes. Many borrowers refinance out of the Fund That Flip loan, or rent the property and refinance out into a long-term loan.

Scale with Confidence

Check out the resources below to learn more about how Fund That Flip does business, and how we support our borrower partners in growing their businesses.