Financing Tailored for Real Estate Investors

Premium Financing Options for Your Fix & Flip Projects

High Leverage Financing

Access up to 90% loan-to-cost and 100% rehab financing to maximize your investment potential.
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Fast Closings

Complete your deal in as little as 7–14 business days with streamlined underwriting and dedicated support.
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Flexible Borrower Requirements

We consider first-time investors and support LLCs, corporations, partnerships, and individuals with tailored terms.
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Investor-Friendly Terms

Benefit from interest-only payments, no prepayment penalties, and terms ranging from 9 to 24 months with extension options.
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Why Oak & Iron Outperforms Traditional Lenders

Comparing Loan Factory to Traditional Financing

Approval Speed

Loan Factory delivers decisions within days using asset-based underwriting, unlike traditional lenders with slow, income-focused reviews.

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Financing Flexibility

We offer up to 90% loan-to-cost and 100% rehab financing tailored for investors, while traditional lenders limit rehab funds and impose strict income rules.
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Investor-Centric Terms

Interest-only payments, no prepayment penalties, and LLC-friendly structures set Oak & Iron apart from rigid traditional loan programs.
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OUR SERVICES

The Loan Factory Advantage

Investor-Only Lending

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Custom Deal Structures

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Experienced Lending Team

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Rapid Loan Execution

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Strategic Investor Support

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Simplified Funding Process

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From Deal Submission to Closing in 3 Simple Steps

Fast, straightforward financing for real estate investors. Whether you're purchasing, renovating, refinancing, or building, we'll guide you from application to funding.

1. Submit Deal

Share property information and project specifics to embark on your financing journey.

2. Review Terms

Receive tailored financing options based on your project and investment goals.

3. Underwriting

Asset-based evaluation ensures fast, accurate approval decisions.

Common Questions About Fix & Flip Loans

Loan Factory addresses key concerns investors have about financing, eligibility, and loan terms to help you make informed decisions.

Our answers clarify how our programs work, who qualifies, and what to expect throughout the loan process.

  • How much can I borrow for a fix & flip project?

    Loan amounts depend on the property type, project scope, and borrower experience. Typically, we offer up to 90% Loan-to-Cost and up to 75% After Repair Value.

    We evaluate each deal individually to provide financing that aligns with your investment strategy and project needs.

  • Do I need prior fix & flip experience to qualify?

    No prior experience is required. We consider first-time investors and provide tailored financing options to support your entry into real estate investing.

    Experienced investors benefit from competitive pricing and flexible terms based on their track record.

  • Can I apply for a loan through my LLC or corporation?

    Yes, Loan Factory supports LLCs, corporations, partnerships, and individual borrowers to accommodate various investment structures.

    This flexibility helps protect your personal assets while optimizing your financing strategy.

  • Are rehab costs included in the loan?

    We finance up to 100% of approved rehab costs, covering cosmetic to heavy renovations and full renovation projects.

    Our rehab financing is designed to support value-add projects and maximize your investment returns.

  • What are the payment terms during the loan period?

    Most programs offer interest-only payments, reducing your monthly expenses while you renovate and prepare the property for sale.

    Flexible terms range from 9 to 24 months, with extension options available to accommodate project timelines.

  • Is there a prepayment penalty if I pay off early?

    Many of our loan programs include no prepayment penalties, allowing you to refinance or sell without additional fees.

    This feature provides greater flexibility and control over your investment exit strategy.

Ready to Fund Your Next Flip?

Request a personalized quote tailored to your investment project. Provide your details and receive financing options designed to support your fix & flip goals.
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