Loan Programs

Fix & Flip Loans

Northline Capital provides financing for experienced investors acquiring and renovating residential properties for resale.

Loans include acquisition funding and renovation capital distributed through structured draw reimbursements.

Loan Parameters

Parameter	Details
Loan Size	$50,000 – $5,000,000
Term	6 – 12 months
Interest Rate	11.0% – 13.5%
Origination Fee	2 – 3 points
Max Loan-to-Cost	Up to ~90%
Max Loan-to-After-Repair Value	Up to ~80%

Northline Capital provides financing for experienced real estate investors and sponsors executing business-purpose real estate transactions.

Typical borrower requirements include:

Loans must be for business or investment purposes only.
Owner-occupied primary residences are not eligible.
Borrowers typically invest through legal entities such as LLCs or corporations.
Borrowers must certify that loan proceeds will be used solely for business or investment purposes.
Borrowers must certify that the collateral property is not intended for owner-occupied consumer use.
Prior renovation execution experience and a realistic scope, timeline, and budget are preferred.
A clear exit strategy is required, typically through sale, refinance, or stabilization.
Adequate liquidity, reserves, and project support may be required.
Additional underwriting conditions may apply based on property type, market, borrower profile, business plan, and sponsor experience.
Financing is subject to underwriting review and is not guaranteed unless and until final loan documents are executed and all closing conditions are satisfied.

Whether you are seeking financing, submitting a brokered deal, or evaluating a loan sale, Northline Capital can review the opportunity.