Flex Cash Funding

Bay Area, Hard Money Loans NOW

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When you need quick cash while waiting for your property to sell but traditional lenders won't approve you, we can help..

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Loan options that can meet your immediate needs!

  • Short-Term Real Estate Financing Solutions

    If you need money to put down on a new home while your current home is pending sale, or if you need funds to relocate before vacating a property that's under contract, and you cannot secure traditional financing, we might be the solution for you.

    We offer short-term financing for relocation expenses and down payments on new real estate purchases. If this meets your needs and fits your criteria, please fill out our application and submit your paperwork. We will provide an answer within 48 hours.

    These loans are not based on credit or income, but are based solely on your equity position in the pending sale of your property.

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  • Property Improvement Financing Before Sale

    If you're looking to fix up your property before selling it but are short on cash and cannot get traditional financing or take money out of the property due to credit issues, we offer short-term financing on pending sales. This will give you the funds you need to improve your property so you can maximize its value and get more money from the sale.

    We can assess whether this will benefit you based on a short criteria review. Simply fill out our application, submit your paperwork, and we will have an answer back for you within 48 hours.

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  • Foreclosure Bailout Loans

    If you have received a Notice of Default or Notice of Trustee Sale and are at risk of losing your home, but cannot access funds due to credit or income issues, we could be the solution you're looking for.

    We offer no-credit, no-income loans based solely on the equity position of your property to help you avoid losing everything. These short-term loans require repayment within six months, but will give you the peace of mind of knowing that you won't lose your property. This allows you time to sell and/or fix up your property so you can sell it at market value.

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  • Short-Term Second Mortgages

    If you just need cash for personal reasons or to make a large purchase while you're waiting for your home to sell, we might be an option for you. If traditional financing has failed you because of credit or income limitations, fill out an application, submit your paperwork, and we can tell you within 48 hours whether we can help you.

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  • FIX AND FLIP LOANS

    Whether you're a new investor or a seasoned investor and you're running short on money to fix up a property before it goes on the market, we might be the solution you're looking for.

    We offer short-term loans on properties that are going to be listed within 90 days. This will give you the cash flow you need to complete your project so you can maximize your return by fixing up the home before sale.

    These loans are not based on income or credit, but solely on the equity position you have in the property. Fill out the application, submit the required paperwork, and we'll have an answer for you within 48 hours.

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APPLY NOW

THE PROCESS

FILL OUT YOUR APPLICATION FILL OUT YOUR APPLICATION
FILL OUT YOUR APPLICATION

Fill out your application. Once you submit your application, you will receive an email with the required documentation list. Once we receive the required documentation, we should have an answer for you within 48 hours.

SEND IN REQUIRED DOCUMENTATION ASAP SEND IN REQUIRED DOCUMENTATION ASAP
SEND IN REQUIRED DOCUMENTATION ASAP

After you apply, you will receive an email from an admin requesting documentation. The sooner you submit your documentation, the sooner we can approve you and disburse your funds. We will send you a secure link for uploading your documents, and we will contact you by phone, text, or email to discuss your specific needs and how we can partner with you.

REVIEW, DECISION, DISBURSE REVIEW, DECISION, DISBURSE
REVIEW, DECISION, DISBURSE

Once we have your information and speak with you, we will quickly make a decision on whether we can approve you. Then we will set you up for signing with a notary, review your paperwork, and disburse your funds. Simple as that.

FAQs

What if my credit score is low?

If your credit is good enough for traditional financing, we can refer you to a loan that is best for you. These loans are for people who cannot traditionally qualify either due to credit issues or lack of income capacity, but still need funds in the interim while selling their property. We can examine pretty quickly whether you will qualify. We leverage your equity position as your credit and secure your loan using equity, not credit scores.

How long will it take before I can access cash?

We can fund your loan within a few days once approved. Once you submit your application and any documentation we request, we will work quickly to get you approved and funded.

Does my name to be on title?

Yes, in order for you to take out a loan against a property, you need to own an interest in the property. We do allow loans in the name of a trust, corporation, or LLC, but you will also need to be listed as someone who can make decisions on behalf of the organization.

How much can I borrow?

It will depend on the equity you have in the property. We can lend up to 70% of the value of the property. We do not want to deplete your equity position. Once you submit an application, depending on the scenario, we can tell you immediately the maximum amount you qualify for.

Will I need an appraisal?

Generally speaking, no. On fix and flip properties, we may need to inspect the property to make sure the repairs and funds will cover the cost to get the property on the market. We will run our own estimation of the value of the property. We specialize in the Bay Area, and our brokers are well qualified in all counties to examine values and give an honest opinion of fair market value and after repair value.

Do I need to use a general contractor on a flip loan?

You might, it all depends on whether you have experience you can prove flipping properties in the last 12 months. A general contractor is not a requirement, but proof of experience is. If you can document prior properties you have flipped, then you may not need a general contractor as part of the process

Contact Us to Apply

If you need cash, fill out the form and we will send you an application to your email within 1 hour. Once you receive your application, if you submit your required documents, you can have an answer back in as little as 48 hours.