FlipCo Financial

Memphis Hard Money Lender

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

orange hammer icon

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

orange house icon

Close fast with no pre-payment fee.

money savings orange icon

Allows non-owner occupied investors to leverage their funds.

orange hand shake icon

Participate in a transaction without bringing funds to the table.

Best Hard Money Lender in Memphis Tennessee

Memphis Hard Money Lending

At FlipCo Financial, we understand that not every investor is the same. That’s why we tailor our hard money loans to fit each borrower’s specific needs. When you are looking to fix and flip a property or need Transactional Funding, we have the experience and knowledge to help you succeed. We pride ourselves on being the premier hard money lender in Memphis, Tennessee, and we’re committed to providing our clients with the best possible service. We work hard to build lasting relationships with our clients by earning trust through transparent processes and fees. If you’re looking for a hard money lender you can rely on, look no further than FlipCo Financial.

FlipCo Financial Lending in Memphis, Tennessee

Millennial Attraction

With one of the southeast’s youngest populations, Memphis has become a destination for the next generations of talent. Memphis has the 3rd largest share of Millennial homebuyers in the country.

Business Friendly

Low debt and a pro-business regulatory environment make Tennessee one of the most business-friendly states in the country. A right-to-work state with no personal income tax on wages, our state and local tax burdens are among the lowest in the country.

Rent to Price Ratio

Memphis listed as one of the top 5 cities for rent to price ratios. The return you earn on an investment property here is going to be far higher than what you’d earn in Los Angeles, New York, or any of the cities on the east coast.

Memphis 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.

Stay Connected:

Subscribe to our Newsletter for FlipCo Events, Tips & Tricks!