Indianapolis Hard Money Lenders
We provide direct private loans to help investors achieve project success.
Loan includes a rehab budget which is 100% funded.
Close fast with no pre-payment fee.
Allows non-owner occupied investors to leverage their funds.
Participate in a transaction without bringing funds to the table.
Hard Money Lenders in Indianapolis, Indiana
As leading Indianapolis hard money lenders, FlipCo Financial drives the Circle City’s real estate transformation with innovative funding solutions. Our deep understanding of Indy’s unique market, from the Bottleworks District to Broad Ripple Village, sets us apart from traditional Indianapolis hard money lenders. We fuel projects that are reshaping the city’s landscape – whether you’re converting historic Fountain Square warehouses into modern lofts, developing tech-friendly spaces near the expanding IU Health campus, or renovating classic homes in emerging neighborhoods like Windsor Park and Holy Cross. The city’s evolution into a tech hub, anchored by Salesforce Tower and the 16 Tech innovation district, demands a lending partner who moves at the speed of opportunity. Unlike conventional hard money lenders in Indianapolis, we understand both the stability of Indy’s racing heritage and the potential of its tech-driven future. Our funding solutions power projects across the city’s most promising areas, from Mass Ave’s cultural corridor to SoBro’s residential renaissance. With the Red Line’s transit-oriented development creating new opportunities and the Cultural Trail expanding its reach, Indianapolis real estate investors need quick, flexible financing to seize emerging opportunities. We offer funding decisions faster than an Indy 500 pit crew and terms clearer than the downtown Canal on race day. Whether you’re transforming properties in Irvington’s historic district or developing mixed-use spaces in Fletcher Place’s culinary scene, FlipCo Financial provides the capital needed to turn your investment vision into reality. From the Mile Square to Meridian-Kessler, we’re not just lending – we’re partnering in Indianapolis’s next chapter of growth.
The Midwest's Silicon Valley Moment
Indianapolis isn't just attracting tech companies - it's creating an entire innovation ecosystem at a fraction of coastal costs. The Salesforce Tower isn't just another office building; it's the tallest building outside of Chicago in the Midwest and symbolizes Indy's tech transformation. The 16 Tech Innovation District's $500 million development is creating a live-work-innovate community that's reshaping the near west side. Unlike other tech hubs where real estate prices have skyrocketed beyond reach, Indy offers investors the rare opportunity to acquire properties at Midwest prices in neighborhoods poised for tech-driven growth. Areas like Holy Cross and Windsor Park, sitting between downtown and 16 Tech, are seeing early-stage appreciation as tech workers seek authentic neighborhoods with short commutes.
The Cultural Trail Effect
Indianapolis's 8-mile Cultural Trail isn't just a bike path - it's a property value accelerator connecting six cultural districts. Properties within two blocks of the trail have seen value increases averaging 148% since its completion, significantly outpacing city-wide appreciation. The trail's $30 million expansion to Indiana Avenue and 29th Street is creating new investment opportunities in historically overlooked neighborhoods. This isn't typical infrastructure development; it's a carefully curated urban experience that's reshaping how people live and move in the city. Neighborhoods like Fletcher Place and Holy Cross have transformed from industrial areas to dining and arts destinations, largely due to their Cultural Trail connectivity. The trail's expansion is already influencing property values in areas like Riverside and Crown Hill, creating opportunities for early investors.
The Hospital Corridor Revolution
The $1.6 billion IU Health downtown medical campus consolidation represents the largest hospital investment in Indiana history, but its real estate impact extends far beyond healthcare. This massive project is creating a new "wellness district" spanning from Methodist to the old Wishard site. Unlike typical hospital expansions, this development includes mixed-use components, research facilities, and educational spaces. Properties in adjacent neighborhoods like Ransom Place and Old Northside are seeing increased demand from medical professionals seeking close-in housing options. The project's timing aligns with the Purple Line's development, creating a transit-connected medical corridor that's attracting both healthcare workers and biotech companies. This healthcare-driven transformation is creating unique opportunities for both residential and commercial investors, particularly in neighborhoods like Fall Creek Place and Kennedy-King.
Indianapolis Hard Money Lenders
Quick closing
Minimal doc collection
All investor loans (non-owner occupied)
No appraisals, credit or background checks
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- 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!
FAQ's
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. Check out why we are the best Houston hard money lenders.
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. Our Houston hard money lenders will make sure you are notified about your payments well in advance and continually through your investing journey.
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
At FlipCo, we offer a range of services to meet your real estate financing needs. Whether you’re looking to renovate and sell a property, secure a loan for a rental investment, or in need of a hard money loan, we have got you covered. Our Houston hard money lenders are experienced in providing financing options specifically designed for fix and flip projects, transactional funding rental investments, and refinance a rehab projects. For more information reach out to us here on our website.
When you contact our Houston hard money lenders, they will make sure to give you a check list of all the documents you need to qualify for your loan. Don’t worry, our experts have you covered.
Some Standard Documents of Purchase and Refinance Transactions will include and are not limited to:
– Driver’s License or Passport (ITIN number if you are a Foreign National)
– Purchase Agreement and any addendum(s)
– Proof of Earnest Money Deposit with check or wire receipt
– 2 Months Bank Statements to show the necessary cash to close and liquidity
– Entity Docs – Articles of organization, Operating agreement or Bylaws, EIN #, Corporate Resolution
– Title Commitment, Survey, HOA/Condo Questionnaire (if applicable), E&O, Wire Instructions, CPL, Draft Deed, HUD
– Evidence of Insurance – RCE/Insurable Value Required for Dwelling Coverage and 6 Months Loss of Rent Coverage
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. This makes a top choice for Houston hard money lenders.
- 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.
To qualify for a hard money loan, there are a few criteria you must meet. Firstly, if you are refinancing your property, you will need to have equity in it. This means that the value of the property should be higher than the outstanding balance of your existing mortgage.
If you are using the hard money loan for a property purchase, you will typically be required to make a down payment of at least 15% to 20% of the purchase price. Additionally, it is common practice for the property to be purchased under an entity, such as a business or commercial entity, to ensure that it is intended for business or commercial purposes.
These criteria, including having equity in your property for refinancing or making a sufficient down payment for a purchase, as well as utilizing an entity in the transaction, are important factors in qualifying for a hard money loan. FlipCo Financial are the premier Houston hard money lenders and will work with you to get the funding you need.
There are several compelling reasons why borrowers in Houston may opt for a hard money loan from a private lender instead of a conventional loan from a Houston bank:
1. Faster Funding: Unlike conventional banks that typically take 30-45 days or longer to approve and finance a residential loan, a Houston hard money loan from lenders like FlipCo Financial can be funded within a shorter time frame of 5-10 days. This is especially beneficial for borrowers who need immediate capital to secure a property or take advantage of time-sensitive opportunities.
2. Property Condition: Conventional banks often have strict underwriting guidelines that may prevent them from lending on properties in need of repair or upgrades. However, private lenders are more flexible in this regard and are willing to provide financing for properties that may lack cash flow or require renovations. This makes hard money loans a viable option for investors looking to purchase distressed properties or undertake renovation projects.
3. Asset-Based Lending: Unlike traditional banks that heavily rely on a borrower’s credit score, reported income, and debt-to-income ratio, hard money lenders focus primarily on the value of the asset being used as collateral for the loan. This means that borrowers with a less-than-perfect credit history or high debt levels can still be eligible for a hard money loan, as long as the property’s value justifies the loan amount. This asset-based approach opens up borrowing opportunities for individuals such as professionals with high incomes but significant debt obligations who may be turned down by traditional banks.
Overall, choosing a hard money loan in Houston from a private lender offers distinct advantages in terms of speed, property condition flexibility, and a focus on the asset rather than the borrower’s financial standing. These factors make hard money loans a preferred option for those seeking alternative financing options in the Houston market.
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