Whether you're a seasoned investor or completing your first renovation project, having access to the right financing can be the difference between closing on an opportunity — or watching it pass by. At CBiz Capital, we help real estate investors secure financing solutions designed specifically for short-term investment strategies, including fix-and-flip projects.

Why Seasonal Timing Matters

Spring and summer typically bring increased housing inventory, longer daylight hours for construction, and stronger buyer activity. This creates an opportunity for investors to complete renovations and list properties while demand remains strong. Starting a project during the warmer months can also help minimize weather-related construction delays, keeping projects on schedule and reducing holding costs.

What Is a Fix-and-Flip Loan?

A fix-and-flip loan is a short-term financing solution designed for investors purchasing properties that require renovation before resale. Unlike traditional mortgages, these loans are structured around the investment itself. Depending on the program, loan proceeds may help cover:

  • Property acquisition
  • Renovation and construction costs
  • Holding expenses
  • Interest reserves (when available through certain programs)

Our program offers up to 85% LTC, and in certain cases we can go up to 92% LTC on rehab projects.

Preparing Before You Buy

Successful investors don't wait until they've found the perfect property to explore financing options. Having financing lined up in advance allows you to move quickly when opportunities arise, submit stronger purchase offers, better estimate renovation budgets, and understand your borrowing capacity before making an offer.

Common Renovation Projects That Add Value

  • Modern kitchen renovations
  • Updated bathrooms
  • New flooring and interior paint
  • Roof, siding, and exterior improvements
  • Energy-efficient windows and HVAC upgrades
  • Landscaping and curb appeal enhancements

Why Investors Choose CBiz Capital
Finding the right financing partner is just as important as finding the right property. CBiz Capital works with investors across a variety of lending programs, helping clients identify financing solutions that align with their project timelines, investment strategies, and long-term goals.

If you're planning your next fix-and-flip project or looking to expand your investment portfolio, contact CBiz Capital today.

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