Fix & Flip Loans for Tennessee Investors
Purchase and rehab in one loan, funded fast — so you can flip more and tie up less of your own cash.
Or call us direct — (615) 989-0020
Speed wins flips. The right property will not wait six weeks for a bank.
Scale Private Capital finances fix-and-flip projects across Tennessee, from Nashville to Knoxville to Chattanooga, with the speed and certainty serious investors need to compete with cash buyers.
We underwrite the deal — the property, the numbers, your plan — not a stack of tax returns. That's how we say yes quickly and get you to closing while the opportunity is still there.
How our fix & flip loans work
Purchase + rehab in one loan
We fund the acquisition and the renovation together, structured so you bring less cash to the table and keep capital free for your next project.
Draws that don't slow you down
Rehab draws handled on a predictable, expedited schedule — so your crew keeps working and your timeline holds.
Built for your exit
Whether you're selling or refinancing into a rental, our terms are built around how flips actually run, with extension options if the project needs them.
Done a few flips with us? Ask about the Scale Program — earned benefits for repeat borrowers.
Answered.
Do you lend to first-time flippers?
Yes. We look at the deal first — the property, the rehab budget, and the exit. A first-timer with a solid deal and a credible plan is fundable. Experienced operators earn better leverage over time through the Scale Program.
What is a hard money loan?
A hard money loan is short-term financing secured by real estate rather than by your income history. A hard money lender underwrites the property — its current value, the rehab plan, and the after-repair value — instead of running you through the documentation a bank requires. That's why hard money loans close in days instead of weeks, and why real estate investors use them to compete with cash buyers.
How fast can you close?
Most deals fund in about nine days from the day you send us the property, and you'll usually have a term sheet within a day. We're a direct lender, so there's no loan committee sitting between you and an answer.
What credit score do I need?
Hard money is asset-based, so credit matters far less than it does at a bank. We look at the deal first: the property, your budget, the after-repair value, and your exit. Your track record as an operator matters more than a score.
Ready to fund your next flip?
Send us the deal and get a fast answer from a lender who moves at your speed.