Stallion Loans Presents
Fix & Flip, Bridge & Ground-Up Construction Loans
Fund the Deal. Not the Paperwork.
Purchase, renovate, bridge, or build — Stallion Loans shops wholesale hard-money lending partners to fund your next project, on loans from $150,000 to $5 million, with no personal tax returns required.
$5M
Max Loan Amount
4
Loan Programs
90%
Leverage Up To
0
Tax Returns Required
From Distressed to Done
This is what a Fix & Flip loan actually funds
Purchase, rehab budget, and draws — all working toward the same finished product.
The Programs
Four programs. One conversation.
Not sure which one fits your deal? That's the point of talking to us first — here's what each program is actually built for.
Fix & Flip
Buying a distressed or dated property to renovate and resell — or refinance — for a profit.
The classic flip loan. It funds both the purchase and the rehab budget in a single facility, with rehab funds released in draws as work is completed and verified. Leverage and rate depend on your experience level, credit score, and whether the scope of work is a light cosmetic refresh or a heavier structural rehab.
Bridge
Acquiring a property fast, with no renovation planned — often to beat a cash buyer, buy at auction, or bridge to permanent financing.
A straightforward acquisition or refinance loan for investors who need speed and certainty of close more than they need a construction budget. Common uses include buying a property that won't qualify for conventional financing as-is, or bridging ownership until a longer-term DSCR refinance once the property is stabilized or leased.
Ground-Up Construction
Building a new home from a vacant lot or teardown, rather than renovating an existing structure.
Finances both the land and the construction budget through one facility, with an initial advance against the land and the remaining construction funds released in staged draws as the build progresses. Built for experienced builders and investors taking a project from dirt to a finished, sellable or rentable home.
Swifty50
Investors who want the fastest possible close and the lightest documentation, and are willing to trade leverage for speed.
A deliberately lower-leverage, streamlined program for smaller acquisitions where simplicity matters more than maximizing proceeds. Lighter underwriting overhead means a faster path to closing — a good fit for investors who don't need to stretch leverage on a given deal.
The Guidelines
Real numbers, by program
Every program prices differently. Here's how each one actually qualifies — not just the headline rate.
Fix & Flip
- Loan amounts from $150,000 to $5,000,000
- Up to 90% of total project cost, up to 70% of after-repair value (ARV)
- Light or heavy rehab budgets both eligible
- First-time flippers considered; more completed projects unlock higher leverage
- Credit scores from 500 considered
- Rehab funds released in draws as work is completed
Bridge
- Loan amounts from $150,000 to $5,000,000
- Up to 75% of as-is value depending on loan size
- Purchase, rate-and-term refinance, and cash-out refinance available
- No renovation scope required — acquisition and hold only
- Minimum credit score 620
- Typical reserve requirement around 8 months of payments
Ground-Up Construction
- Loan amounts from $150,000 to $5,000,000
- Up to 85% of total cost (land + construction), up to 70% of completed value
- Initial land advance plus staged construction draws
- Minimum credit score 650
- No cash-out, no cross-collateral/blanket structuring, rural properties excluded
- Best suited to builders and investors with prior project experience
Swifty50
- Loan amounts from $100,000 to $200,000
- 40–43% of as-is value depending on loan size
- Streamlined documentation for a faster close
- Deliberately lower leverage in exchange for speed and simplicity
- Larger loan amounts available by direct quote
From Dirt to Done
This is what a Ground-Up Construction loan actually funds
Land, construction budget, and staged draws — all working toward the same finished home.
How It Works
Four steps from deal to draw
01
Tell Us About the Deal
Purchase price or as-is value, your budget (rehab or construction), the target after-repair or completed value, and your experience level.
02
We Match You to a Program
Fix & Flip, Bridge, Ground-Up Construction, or Swifty50 — we find the best-fitting program and shop it across our wholesale lending partners.
03
Get Your Term Sheet
No personal tax returns or W-2s required. Terms are driven by the deal, the property, and your track record as an investor.
04
Close and Draw as You Go
Rehab and construction funds are released in draws as work is completed and verified, keeping your cash working across more deals.
Loan Calculator
See what your deal qualifies for
Pick your program and enter the deal's numbers — we'll estimate your loan amount, cash to close, and monthly payment automatically.
Fix & Flip Estimate
Total Project Cost
$0
Loan Amount
$0
Estimated Cash to Close
$0
Initial Land Advance
$0
Estimated Monthly Payment (Interest-Only)
$0
Leverage Used
—
Estimate only. Actual leverage, rate, and terms are determined by full underwriting of the property, budget, and borrower profile. Not a commitment to lend.
Free Resource
Not ready to run the numbers yet?
Grab the Investor Loan Qualification Checklist — a five-minute gut check before you make an offer.
Get the ChecklistWhere We're Live
Local expertise, market by market
Fix & Flip, Bridge, Ground-Up Construction, and Swifty50 lending is rolling out market by market. Here's where we currently have dedicated local guidance.
Dallas County
Texas
View Local Program →
Jefferson County
Alabama
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Anchorage Municipality
Alaska
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Pulaski County
Arkansas
View Local Program →
Denver County
Colorado
View Local Program →
Hartford County
Connecticut
View Local Program →
New Castle County
Delaware
View Local Program →
Fulton County
Georgia
View Local Program →
Orange County
Florida
View Local Program →
Polk County
Iowa
View Local Program →
Sedgwick County
Kansas
View Local Program →
Jefferson County
Kentucky
View Local Program →
Orleans Parish
Louisiana
View Local Program →
Cumberland County
Maine
View Local Program →
Cook County
Illinois
View Local Program →
Marion County
Indiana
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Baltimore County
Maryland
View Local Program →
Worcester County
Massachusetts
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Hinds County
Mississippi
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Jackson County
Missouri
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Flathead County
Montana
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Douglas County
Nebraska
View Local Program →
Carroll County
New Hampshire
View Local Program →
Mecklenburg County
North Carolina
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Ocean County
New Jersey
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Erie County
New York
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Cuyahoga County
Ohio
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Tulsa County
Oklahoma
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Allegheny County
Pennsylvania
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Providence County
Rhode Island
View Local Program →
Charleston County
South Carolina
View Local Program →
Davidson County
Tennessee
View Local Program →
King County
Washington
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Kanawha County
West Virginia
View Local Program →
Milwaukee County
Wisconsin
View Local Program →
Teton County
Wyoming
View Local Program →
Resources
Answers for investors and builders
AIV vs. ARV: Why Your Loan Amount Depends on Both
As-Is Value and After-Repair Value measure two different things, and your loan amount is usually capped by whichever one is more conservative.
Bridge Loan vs. Fix & Flip Loan: What's the Difference?
Both are short-term, business-purpose loans, but they're built for very different deals. Here's how to tell which one fits yours.
How Much Cash Do You Need to Close a Fix & Flip or Construction Loan?
Your cash to close is more than just a down payment. Here's everything that typically factors in.
What Credit Score Do You Need for Hard Money Financing?
Minimum credit score requirements differ by program. Here's what each one actually requires, and why.
Frequently Asked Questions
Straight answers for investors and builders
What is the difference between Fix & Flip, Bridge, and Ground-Up Construction? +
Fix & Flip funds the purchase and renovation of an existing property you plan to resell or refinance. Bridge funds an acquisition or refinance with no renovation involved — just speed and certainty of close. Ground-Up Construction funds building a brand-new home on vacant land, from the ground up.
What is Swifty50? +
Swifty50 is a streamlined, lower-leverage program for investors who want the fastest possible close with the lightest documentation, on loan amounts between $100,000 and $200,000. You trade some leverage for speed and simplicity.
Do I need to show personal tax returns or W-2s? +
No. These are business-purpose loans. Qualification is based on the deal itself — the property, the budget, your credit, and your experience as an investor — not your personal income documentation.
What is AIV and ARV? +
AIV (As-Is Value) is what the property is worth today, in its current condition. ARV (After-Repair Value) is what it's expected to be worth once renovation or construction is complete. Loan leverage is measured against both, and whichever cap is lower usually determines your loan amount.
Do I need prior flipping or construction experience? +
No — first-time investors are eligible on Fix & Flip. More completed projects unlock higher leverage and better pricing, but experience is not a hard requirement to get started. Ground-Up Construction generally rewards prior project experience more heavily.
How are rehab or construction funds disbursed? +
In draws. An initial advance is made at closing, and the remaining rehab or construction budget is released in stages as work is completed and verified, keeping your cash working across more deals instead of sitting in one property.
What credit score do I need? +
Fix & Flip and Swifty50 consider scores as low as 500. Bridge requires a minimum of 620. Ground-Up Construction requires a minimum of 650. Stronger credit unlocks higher leverage and better pricing on every program.
What loan amounts are available? +
Fix & Flip, Bridge, and Ground-Up Construction range from $150,000 to $5,000,000. Swifty50 is published from $100,000 to $200,000, with larger amounts available by direct quote.
Can I finance multiple properties under one loan? +
Cross-collateral (blanket) structuring is available on Fix & Flip and Bridge for qualifying investors with multiple properties. Ground-Up Construction is structured one property per loan.
Ready to Fund Your Next Project?
Tell us about the deal. We'll tell you what it qualifies for.
Melvin Kelly, President · NMLS #978991
Get Your Free Term Sheet Estimate
Tell us about the property and the project — we'll follow up with real numbers, most investors hear back the same business day.
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