Fix & Flip Capital.
Funded in 48 Hours.
Asset-backed short-term loans for residential investors executing fix & flip strategies in 45 states. We underwrite to the deal — not your tax returns. Close in days, not weeks.
"The deal and your experience is the collateral."
At Omnia Capital Funding, we operate on a simple principle: if the deal makes sense, we fund it. Our hard money lending program is purpose-built for experienced investors executing residential fix & flip strategies across the country.
We cut through the bureaucracy that conventional lenders impose and deliver committed capital on a timeline that keeps your deal alive. From acquisition through renovation, we stay aligned with your exit.
Representative Loan Terms
Terms subject to underwriting approval. Rates and structure may vary based on asset type, location, and borrower profile.
Loan Purpose
Fix & Flip, Acquisition, Light Rehab
Loan Amount
$100,000 – $5,000,000+
Loan-to-Value (LTV)
Up to 75% of ARV
Loan-to-Cost (LTC)
Up to 90% of total cost
Interest Rate
Competitive — quoted per deal
Term Length
6 to 24 months
Amortization
Interest only
Points / Origination
Quoted per transaction
Prepayment Penalty
None on most programs
Built for Experienced Operators.
Our hard money program is designed for investors who know their market and their numbers. We move fast because you do. Here is who we work with:
✓ Residential investors executing 1–4 unit fix & flip projects
✓ Investors targeting BRRRR strategies with a defined refinance exit
✓ Developers on light ground-up or new construction residential projects
✓ Operators scaling to multiple concurrent deals and requiring reliable capital
✓ Out-of-state investors with established track records entering new markets
What We Look At
We underwrite to the asset, not the borrower's credit score or income statements. Our primary evaluation criteria focus on the deal's fundamentals.
✓ Property value and projected after-repair value (ARV)
✓ Scope of work and renovation budget credibility
✓ Borrower exit strategy — resale timeline or refinance path
✓ Local market comps and liquidity
✓ Experience level and track record
THE FIX & FLIP PROCESS
From Contract to Closed.
We have designed a funding process that moves at the speed of real estate investment.
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Submit the Deal
Send us the property address, purchase price, estimated renovation budget, projected ARV, and your exit strategy. No lengthy intake forms.
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Underwriting & Term Sheet
Our team underwrites directly to the asset. You receive a term sheet within hours — not business days. No committee delays, no third-party bottlenecks.
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Commitment & Docs
Commitment letter issued. We work directly with your title company and legal counsel to coordinate the closing process efficiently.
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Funded & Closed
Wires sent. Deal closed. Most transactions fund within 48 to 72 hours of underwriting approval.
Frequently Asked Questions
Direct answers for serious investors.
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We primarily work with experienced investors who have a documented track record. First-time borrowers may qualify on a case-by-case basis if the deal fundamentals are strong and the project scope is straightforward.
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Omnia Capital Funding is active in 45 states. Contact us to confirm availability in your specific market.
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Most deals close within 48 to 72 hours of underwriting approval. Complex transactions or those requiring additional title work may take longer, but we will communicate timelines clearly and work to maintain your contract deadlines.
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We typically rely on our own internal valuation and comparable sales analysis. In some cases, a desktop or drive-by appraisal may be required. We will communicate requirements at the term sheet stage.
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Most of our programs carry no prepayment penalty but a 3 month minimum interest, allowing you to exit the loan as soon as the property sells or refinances. Confirm specific terms with your loan officer.
Your next deal is waiting.
Let's fund it.
Submit your deal today and receive a term sheet within hours. Active in 45 states. Capital that actually closes.