Fix and Flip Loans in Arizona

We underwrite the after-repair value. Fix and flip lending is fundamentally different from a standard mortgage. The collateral is not today's value — it is what the property will be worth after the work is done. We underwrite based on the ARV, the scope of work, the market, and your plan to sell or refinance.

We fund purchase and rehab. A fix and flip loan from Bridge Financial covers both the acquisition and the renovation budget, structured with draws released as work is completed. You are not pulling cash out of your own pocket to fund the rehab — you draw from the loan as milestones are hit.

Asset-based means your deal, not just your credit. Banks turn down fix and flip deals because of asset type, timeline, borrower profile, or complexity. We start with the asset: location, ARV, comps, and exit. A strong deal with a clear sale can still work here when a bank says no.

We are a direct lender. The principals who review your submission are the ones who approve it and fund it. No committee, no delays, no re-trades after you have a property under contract. Speed matters in fix and flip — and that is what a direct lender provides.

Arizona is our primary market. We are based in Tempe and active across the Phoenix metro, Tucson, and statewide. We know the AZ investor residential market and can close quickly when the deal is right.