Complete Lending, Inc.
Complete Lending, INC.Lending for Builders & Investors
(239) 488-1677
Complete LendingFor experienced fix-and-flip investors

100% Financing
No Money down

100% of the purchase price and 100% of the rehab budget, up to 75% ARV. Contingent approval in under 24 hours.

Apply nowDo I qualify?
100% LTVPurchase + rehab
10–14 daysFast funding
720+Qualified investors only
30-second check

Do you qualify?

Answer three questions. If all three are yes, you're in our lane — go straight to the application.

5–10+ flips in the last 36 months?Completed purchase-to-sale projects, not wholesale assignments.
720+ credit score?Mid-FICO across the three bureaus.
Operating in a stable or appreciating market?We don't lend where values have dropped 6%+ in 12 months.

Answer all three to see your result. One no? Apply anyway and we'll tell you straight.

The problem

Your capital is the bottleneck

You're a proven flipper. You've done 5+ deals. You see opportunities but you're capital-constrained.

You can't move on the next deal because your capital is tied up in the current one.

The solution

Scale without writing a check

100% financing means $0 down. You scale faster. You stay liquid.

Instead of 2–3 properties, you move 5–6. Same team. Different scale.

Program details

What the loan looks like

Tier 1

10+ flips

  • 10+ flips in 36 months
  • 100% of purchase price
  • 100% of rehab budget
  • Up to 75% ARV
Tier 2

5+ flips

  • 5+ flips in 36 months
  • 95% of purchase price
  • 100% of rehab budget
  • Up to 75% ARV
Terms

Rate & structure

  • 9.250–9.990% interest
  • 1–3 points
  • 6 / 9 / 12 month terms
  • Better track record = better rate
Timeline

Speed to close

  • <24 hrs contingent approval
  • 10–14 days to funding
  • 720+ credit required
  • Stable markets only
Complete Lending
Application

Let's get started

Fill out the application below. We'll review it and contact you within 24 hours.

Contingent approval in under 24 hours. No credit pull to apply.

Rather talk it through? Call (239) 488-1677.

"We went from flipping 3 properties a year to 8. Same capital. Different structure. Would've taken 5 more years to get here otherwise."

— J.R., Phoenix, AZ
FAQ

Straight answers

Is this really no money down?
Yes. You need to qualify: 5+ flips in 36 months and a 720+ credit score. Then it's 100% of the purchase price (95% if you're at 5+ deals) and 100% of rehab, up to 75% ARV. No money out of pocket.
What if my market is declining?
We don't lend in markets that have declined 6%+ in the last 12 months. If you're unsure about your market, call us and we'll verify it for you.
How fast is the funding really?
Contingent approval in under 24 hours, subject to appraisal and title. Full funding in 10–14 days, which is industry standard. The speed is in the approval, not the funding.
What about interest rates and points?
9.250%–10.990% interest, 1–3 points. Your exact rate depends on deal structure, market, and experience level. Better track record = better rate.
Do you work with wholesalers and agents?
Yes. Wholesalers can bring us their investor clients as their in-house lender. Agents can introduce investor clients. We have a referral program for both — mention it in the comments field and we'll send details.
What if I don't qualify yet?
Apply anyway with your details (number of flips, credit score). We may be able to work with you if you're close. Or we stay in touch for 6 months and revisit when you have one more deal under your belt.

Questions? Talk to a real person.

Call us and we'll tell you in five minutes whether your deal works.

(239) 488-1677
Apply nowEmail us