Fix & Flip Loan
Hard money for buying and renovating a property: up to 92.50% of cost and up to 100% of the rehab budget. First-time investors are welcome.
Fix & Flip Loan terms and detailsHard money and private financing for flips, rentals, bridge and ground-up projects in 36 states and Washington, D.C. Each loan is structured around the property, the plan and your exit.

Built For Real Estate Ambition
A direct path forward
The process is designed to create clarity early and keep everyone aligned as the transaction moves forward.
Start with a short online application: the property, your goals and what you need financed. No mountains of paperwork — the more we know, the better we can tailor the structure.
Our in-house team reviews the deal straight away, with no bank bureaucracy and no queue. A term sheet is offered within 12 to 24 hours, and you are kept up to date at every step.
Once approved, qualified deals with complete documents can fund in as fast as 15 days, so you can get back to closing deals and scaling the portfolio.
Financing solutions
Short-term hard money for flips, bridge and ground-up construction, plus long-term DSCR loans for rentals. Each program is structured around the property, the timeline and your exit plan.
Hard money for buying and renovating a property: up to 92.50% of cost and up to 100% of the rehab budget. First-time investors are welcome.
Fix & Flip Loan terms and detailsLong-term rental financing qualified on the property's cash flow, with no personal-income verification and 30-year fixed or ARM options.
DSCR Rental Loan terms and detailsShort-term financing for a purchase that has to close quickly, a property in transition or a lease-up, until permanent financing makes sense.
Bridge Loan terms and detailsGround-up and infill financing covering up to 100% of the construction budget, with money released in draws as the work is completed.
New Construction Loan terms and detailsNeed a different structure? Apex evaluates other business-purpose real estate scenarios on a deal-by-deal basis.
Where we finance
Apex offers hard money, fix and flip, DSCR rental, bridge and new construction loans in 36 states and Washington, D.C. Pick a state to see the main investor cities, local rules and how each program fits there.