Fix & flip and ground up construction loans designed for active investors. Fast draws, experience-based pricing, and a lender who understands how deals actually work.
Whether you're rehabbing a distressed property or building from the ground up, Clavis Capital has the capital and the expertise to fund your deal.
Acquisition + rehab funding released in draws as work progresses. Designed for investors who buy distressed and sell renovated.
Finance a new build from an empty lot to a finished structure. Draw-based funding tied to construction milestones and verified progress.
Your rate is determined by two factors: credit score and completed project experience. More experience and stronger credit = lower cost of capital.
| Parameter | Fix & Flip | Ground Up Construction |
|---|---|---|
| Min. FICO | 680 | 680 |
| Min. Experience | 1 successful exit / 36 months | 2 exits / 36 months (Licensed GC w/ 720+: 1 exit) |
| Loan Amount | $150K – $5M+ | $250K – $5M+ |
| Loan Term | 6–30 months (w/ extensions) | 12–30 months (w/ extensions) |
| LTV — Purchase | Up to 90% purchase + 100% renovation | Up to 75% purchase + 100% construction |
| Max LTARV | 80% | 67.5% |
| Max LTC | Up to 93.5% | Up to 90% |
| Borrower Type | Legal U.S. Entities | Legal U.S. Entities |
| Property Types | SFR, Condo, Townhome, 2–4 Plex, MF up to 9 units | SFR, 2–4 Plex, MF up to 9 units, ADU, Infill |
| Appraisal | Required on loans > $400K | BPO on loans < $400K | |
| Pre-Payment Penalty | None | |
| Lien Position | First Lien Only | |
| *Ground Up term includes up to two 3-month extensions. Fix & Flip includes up to two 3-month extensions. Rates and terms subject to change. Not a commitment to lend. NMLS# 2343894. | ||
No bureaucracy. No banker runaround. We move at the speed of deals.
Share the property address, purchase price, rehab or construction budget, and your experience. We'll run the numbers in 24 hours.
You receive a clear term sheet showing rate, LTV, loan amount, draw schedule, and estimated closing costs. No surprises.
We order the appraisal (or desk review), verify plans and permits for GUC, and complete underwriting. Typically 7–14 business days.
Close in as little as 21 days. Draws are released upon inspector sign-off. For GUC, funds release at each construction milestone.
Do I need experience to qualify for a fix & flip loan?
Fix & flip requires a minimum of 1 successful exit in the past 36 months. Ground up construction requires 2 successful exits in the past 36 months — unless you're a licensed General Contractor with a 720+ FICO, in which case 1 exit may suffice. Your experience tier also affects your rate and leverage, so the more deals you've closed, the better your terms.
How do draws work?
Rehab and construction funds are held in a reserve and released in stages. You submit a draw request when a portion of work is complete. An inspector (hired by the lender) visits the property and verifies the work before funds are released. Interest accrues only on drawn amounts.
What is ARV and why does it matter?
ARV stands for After Repair Value — the estimated market value of the property after all work is complete. For fix & flip loans, the max loan-to-ARV is 80%. For ground up construction, it's 67.5%. Example on a flip: ARV of $800,000 at 80% LTARV = max loan of $640,000 regardless of your purchase price and rehab costs.
Can I borrow in an LLC or corporation?
Yes — entity borrowing is fully supported. In fact, most experienced investors structure their deals in an LLC for liability protection. We'll need entity documents and the guarantor's personal credit profile.
What states do you lend in?
Clavis Capital Group is currently licensed in California and Florida for fix & flip and ground up construction loans. Texas licensing is pending. Contact us to confirm availability for your specific deal.
What happens when construction is complete?
You have two options: sell the property and pay off the loan at closing, or refinance into permanent financing. We can refer you to DSCR loan options if you plan to hold the property as a rental — qualifying on the rent income, not yours.
Give us the basics and we'll get back to you within one business day with numbers.
By submitting, you agree to be contacted by Clavis Capital Group. NMLS# 2343894. Licensed in CA & FL. Equal Housing Opportunity.