FlipCo Financial

Tampa Hard Money Lender

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

Tampa Hard Money Lending

At FlipCo Financial, we are proud to offer hard money loans to property investors across Tamp, Florida. Whether you require quick financing for a fix and flip project or just looking to purchase your next investment property, our experienced team is here to help. We pride ourselves on providing fast and reliable funding that meets the specific needs of our clients.

Our commitment to honesty and trust lies at the core of everything we do, and we are dedicated to working closely with our clients to understand their individual goals and needs. With FlipCo Financial, you can rest assured that you are in good hands!

Affordable Property

Tampa ranks 1st among affordable markets for first time home buyers. Tampa's real estate market is ranked high in rental real estate because of low-cost property compared to other prime rental markets in the state.

Top 10 Market

Tampa Bay area has been named one of the nation’s top 10 markets for real estate investment several times. Its unemployment rate is less than 3%, it's in the top 20% US for appreciation, and it is the fastest growing city in Florida.

Great Environment

Residents and tourists alike never run out of exciting things to do and with the weather, you can enjoy the outdoors all year long. Enjoy beaches, quiet lakes, shopping, serene botanical gardens, farmers markets, manatees, kayaking, and more.

Tampa Hard Money Loan Programs

 5/5

Quick closing

Minimal doc collection

All investor loans (non-owner occupied)

No appraisals, credit or background checks

Fix and Flip Loans

Loan includes a rehab budget which is 100% funded.
Leverage funds for multiple projects at once.
Asset based approval.
Quick and virtual rehab reimbursement.

Short-Term Bridge

Close fast with a shortened guaranteed interest.
No guaranteed interest.
Stay ultra-competitive while making offers.
Ideal for quick turnarounds and refinance exit stratgies.

Refinancing

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.

Transactional Funding

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!

"I used FlipCo on my personal investment and it was such an easy and smooth process. No Appraisals required. Highly recommend."

"Flipco is the real deal! Not only did they save me on a deal, closing in less than 5 days from my first phone call, but they also had the best rates!"

"FlipCo hands down have the best customer service and provides personal attention to every transaction. They are very investor friendly making it possible for new investors to enter the market."

"My closing was only 4 days away and my original lender was not able to perform. I called Flipco Financial and they were able to make it happen. Quick and easy process!"

"FlipCo has been so great to work with. The down payment was so much lower for this flip, which allowed us to keep more cash in our bank account. They are super responsive, helpful, & professional!"

"I've used half a dozen hard money lenders over the last 8 years and FlipCo offers the best numbers for an investor. They are very transparent and fund extremely quick."

"First time working with Flipco, they were able to close a tricky transaction in less than 4 days with us, over the weekend. We will definitely use them again!"

"I used Flipco on my 4th flip and I was amazed by the speed and the customer service involved in allowing me to close within a couple days."

"The purchase process, draw process and terms are the best and easiest! My favorite is there are ZERO draw fees!"

"I have used other hard money lenders in the past but FlipCo has blown the others out of the water. You will not be disappointed with FlipCo - their services are top notch!"

"Karena and FlipCo are the best!! They provided amazing and fast service for my 2 fix and flip loans. Highly recommended!!!"

FAQ's

How quickly can you fund my project?

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.

How do you differ from other lenders in this industry?

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.

How are my monthly payments calculated?

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.

Do you require insurance?

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

What type of properties do we fund?

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

Approval Timeline/Process

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

Do you require appraisals?

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.

What are your borrower requirements?

Last 3 months of bank statements
Financial statement
Completed borrower application

How long are your loan terms?

We offer a 3 and 6 month term.

Do you do credit checks?

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.