FlipCo Financial

Chattanooga Hard Money Lending

We provide direct private loans to help investors achieve project success.

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​Loan includes a rehab budget which is 100% funded.

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Close fast with no pre-payment fee.

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Allows non-owner occupied investors to leverage their funds.

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Participate in a transaction without bringing funds to the table.

Best Hard Money Lender in Chattanooga Tennessee

Chattanooga Hard Money Lending

At FlipCo Financial, we are proud to partner with property investors throughout the Chattanooga Tennesee area to provide hard money loans tailored specifically to their needs. Whether you are doing a fix and flip project or looking for financing to help you purchase your next investment property, our experienced team is here to help professionally. It is an absolute honor to work closely with our clients, listening to their goals and finding innovative solutions that meet those needs. We believe that honesty and trust form the foundation of any successful relationship, and we always strive to be transparent and upfront about our loan terms and fees. So if you’re ready to work with a lender who cares about your success as much as you do, look no further than FlipCo Financial. We’re here to help you achieve all of your investment dreams!

FlipCo Financial Lending in Chattanooga, Tennessee

Low Prices

With homes priced nearly 30% below the U.S. average, and Tennessee boasting one of the lowest tax rates for state and local governments, the city distinguishes itself as a no-brainier for single and multi-family property investors.

Job Opportunities

Encompassing 16 counties, Greater Chattanooga offers a globally connected economy with technology-driven industry sectors in logistics, advanced manufacturing, auto production, food production and health care.

Rising Appreciation

Appreciation rates for homes in Chattanooga have been tracking above average for the last 10 years and ranks in the top 30% nationwide. The city's real estate has continued to appreciate in value faster than most communities.

Chattanooga Hard Money Loan Programs


Quick closing

Minimal doc collection

All investor loans (non-owner occupied)

No appraisals, credit or background checks

  • Loan includes a rehab budget which is 100% funded.
  • Leverage funds for multiple projects at once.
  • Asset based approval.
  • Quick and virtual rehab reimbursement.
  • Close fast with a shortened guaranteed interest.
  • No guaranteed interest.
  • Stay ultra-competitive while making offers.
  • Ideal for quick turnarounds and refinance exit stratgies.
  • Allows non-owner occupied investors to leverage their funds.
  • Ideal for auction purchases.
  • Close with cash and let us put it back in your pocket.
  • Get out of high interest rate private and hard money loans.
  • Participate in a transaction without bringing funds to the table.
  • Have a true closing to report.
  • Seamless transaction.
  • Bring your wholesaling game up a notch!

What Clients Say About Us!


At FlipCo, we understand that time is of the essence for real estate transactions. We can fund projects within 48 hours of receiving clear title and all underwriting documents.

The most important part of our deal structure is ensuring our client are set up for success. We go the extra mile to ensure that title issues are not overlooked, legal documents are prepared correctly for our clients and that our clients have all the tools they need for their projects. Our client’s success comes before anything else.

The monthly interest payment calculation is explained in detail via the agreed upon Term Sheet that is signed prior to project closing. We charge interest only payments and only ever on funds used.

Yes, every property we lend on is required to have title, builder’s risk, hazard, and general liability insurance.

  • Single Family Residential, up to 4 doors (No Owner-Occupied)
  • First lien position
  • Previously flooded properties require additional diligence from our underwriting team
  • Additional square footage will require a survey prior to funding

We typically approve our clients within 48 hours of receiving all required documents.

We do not require third party appraisals. All underwriting and price opinions are performed in house reducing project costs as well as providing enhanced efficiency to the underwriting process timeline.

  • Last 3 months of bank statements
  • Financial statement
  • Completed borrower application

We offer a 3 and 6 month term.

FlipCo typically does not require a credit check. We pride ourselves on lending on the asset and strategy rather than the borrower’s credit score.

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