Fast and reliable financing for your fix-and-flip projects.
TOV Lending offers fast and reliable short-term loans for the purchase and renovation of investment properties.
We offer 90% of purchase, 100% of renovation, at 75% ARV.
Kala Klink - Home Flipper in North Texas
Zane & Tiffany Sipes - LALO Home Flippers in DFW, Texas
Quick Closing
We can approve your applications within 24h, and close in as few as 2 days.
Optimal Financing
We offer up to 90% of purchase and 100% of renovation at 75% ARV.
Same-day Draws
We offer same-day draws, so you can stay on time and budget.
Hands-on Support
Before, during, after the project - we are always a phone call or text away.
Getting Started is easy
Submit your loan application online or through our system.
Loan Application
Receive our loan amount estimate back on the same day, so you know what you’re working with.
Know your loan amount
Get pre-qualified, now that you know the loan amount you’re working with.
Get pre-qualified
Close
Close in as few as 2 days.
Fix-and-Flip Rates + Terms
Rates as low as
9.5%*
*for experienced investors completing a certain number of projects annually.
Up to 90%
of purchase price
of After Repair Value
12-month
interest only
100%
of renovation cost
Up to 75%
Submit your draw request before 12pm, receive your funds the same day.
Our form makes it easy to upload invoices, pictures, and a short video detailing the completed work.
No 3rd-party appraisals needed.
Same-Day Draws
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At TOV Lending, we prioritize making the loan process as frictionless as possible by providing hands-on, personalized service throughout the loan process. Here's a brief overview of our process:
Application Submission: Complete our loan application form, providing the necessary details about your project.
Underwriting: Our team will review your application.
Approval and Funding: Once approved, we will swiftly underwrite and wire the funds, allowing you to start your project without delays.
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One of our key strengths at TOV Lending is our ability to provide rapid turnaround times. Once your loan application is approved, we can typically underwrite within 24 hours. This speed and efficiency ensure that you can act quickly on investment opportunities and move forward with your projects without unnecessary delays.
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TOV Lending is a family-owned business with a legacy in financial services and financing. Our team brings decades of experience to the table, offering expert guidance and proactive communication every step of the way. Our approach is based on our relationships with the people we partner with and we focus on making the process to get funded as frictionless as possible.
You can learn more about our history and unique edge here.
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Choosing a private capital lender like TOV Lending offers several advantages over traditional hard money lenders. We provide flexible solutions tailored to your specific needs, whether you're purchasing, renovating, or flipping properties. Our private capital approach ensures quick decisions and customized funding solutions, empowering you to seize opportunities swiftly. As your private capital partner, we can underwrite and wire funds faster than most, ensuring you never miss out on your next project.
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To get started with TOV Lending, simply contact us for an initial conversation. You can contact us through our website or start the loan application process directly online. Our team is ready to assist you with expert loan solutions tailored to your investment needs.