Everything You Need to Know About Construction Financing and Fix & Flip Loans

Construction projects are exciting—but they come with a serious price tag. Whether you’re a real estate investor planning a fix and flip, a contractor launching a new build, or a small business owner expanding your commercial footprint, construction financing is often the key to making it happen.

Unfortunately, traditional banks can be slow, picky, and frustrating. That’s where Small Business Capital steps in—with fast, flexible Construction Financing options designed for today’s builders and visionaries.

What is Construction Financing?

Construction financing refers to short-term or structured loans used to fund the building or renovation of real estate. These loans are tailored to the needs of property investors, contractors, and small business owners undertaking new builds, renovations, or flips.

Whether it’s a fix and flip deal, a new commercial property, or a spec home project, construction loans provide the capital needed for materials, labor, permits, and everything in between.

How Does Construction Financing Work?

Construction loans are unique in that they are typically disbursed in draws based on project milestones. Here’s how it typically works:

• Loan is approved based on scope, budget, and borrower profile
• Funds are released in stages as the project progresses
• Most loans are interest-only during construction, then refinanced or paid off at completion

Loan terms vary, but most short-term real estate financing options range from 6 to 18 months.

Types of Construction Loans Offered by Small Business Capital

Small Business Capital provides a wide range of flexible funding options:

• Fix and Flip Loans – Fast approval, high LTV, and minimal red tape
• Ground-Up Construction Loans – Ideal for new residential and commercial builds
• Commercial Construction Financing – Custom solutions for developers and business owners
• Bridge Loans for Construction – Get funding while transitioning between projects or phases
• Spec Home Financing – Build first, sell later—with no bank headaches
• Rehab Loans – Perfect for value-add and renovation deals

Fix and Flip Construction Financing – A Game-Changer for Investors

Fix and Flip Loans are one of the most popular forms of construction financing, especially for real estate investors. Here’s why:

• Fast closings—often in 5–7 days
• Loans based on ARV (After Repair Value)
• Funding available for purchase + rehab costs

Imagine purchasing a distressed property for $180,000, investing $70,000 in renovations, and selling it for $350,000—all with financing from Small Business Capital. That’s real ROI.

Who Qualifies for Construction Financing?

You don’t need a perfect credit score or decades of experience. Small Business Capital looks at:

• Deal potential and equity
• Borrower’s experience and vision
• Budget and contractor details
• Down payment and reserves

We say yes where banks say no.

Construction Loan Process with Small Business Capital

Our streamlined process helps you close quickly:

1. Apply online or by phone
2. Submit basic documents (scope, budget, ID, etc.)
3. Get matched with the best construction financing product
4. Close fast and start building

Loans from $100,000 to $5,000,000+.

Benefits of Working with Small Business Capital

• Fast approvals—sometimes same-day
• Nationwide lending footprint
• Creative structures other lenders can’t offer
• We specialize in helping entrepreneurs get projects moving

Our Motto: When Banks Say No, We Say Yes.

Common Mistakes to Avoid When Seeking Construction Financing

• Not preparing a detailed construction budget
• Working with unlicensed or unvetted contractors
• Underestimating project timelines and holding costs

Preparation = Approval.

Success Stories: Entrepreneurs and Investors Who Got It Built

“We flipped our first house with a loan from Small Business Capital. Fast closing and great support!” – Melissa, Vero Beach, Florida

“They funded my entire ground-up duplex build when banks wouldn’t touch it.” – Jordan, San Antonio, Texas

“Flexible bridge loan helped me finish my commercial project on time.” – Kendra, Cleveland, Ohio

How to Apply Today and Get Pre-Approved

Don’t let red tape stop your project. Partner with Small Business Capital and secure the construction financing you need today.

✅ Apply Now at www.smallbusiness.capital

📞 Call (888) 365-7999 for a no-pressure consultation.

FAQ – Construction Financing

What’s the typical loan term for construction financing?
6 to 18 months, often interest-only.

Do I need experience to get approved?
Not necessarily. We work with both seasoned and first-time builders.

Can I use the loan to cover rehab costs?
Yes—our Fix and Flip Loans include renovation funding.

Is a down payment required?
Yes, but we offer high LTV options—up to 90% in some cases.

Small Business Capital – When Banks Say No, We Say Yes.

📞 Call Now: (888) 365-7999