Fix and flip, rental loans and more

We back you to build your property empire

The fast, easy and creative way for property entrepreneurs to fund their projects. Find out if you qualify in five minutes.

Unlock the life you really want with property

Equidy isn’t your average real estate lender. We’re wealth builders fueling the ambitions of entrepreneurs and developers who want to create opportunity, freedom and family legacy through property.

High approval rate

One Time Underwriting

Fast Funding

No Application Fees

Funding your property aspirations, without the stress or mess

Fix and Flip Loan

Fast and flexible finance that frees you up to focus on renovating, selling, profiting … and repeat!

Rental Loan

Whether you’re at the start of your property journey or taking over the world, our loans open up more ways for real estate investors to build sustainable wealth.

Download The Flipper’s Guide To Funding Your Property Empire

Learn how to unlock funding opportunities and new finance strategies for your property projects.

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Register now and get the guide for free.

We’ve refurbished and flipped the property finance process

Apply in minutes

Follow a few steps online and cut back on the paperwork

Get approved

Get matched with the best loan option, take your pre-qual letter and go to market

Seal the deal

Processing can take as little as 7 days, then your loan docs will be sent to title for you to sign and close

Cash in

Easily request and access funds at every stage of your project

CASE STUDY

How patience led to profit for a Bay Area property entrepreneur.

The opportunity

Our client had identified an ideal fix and flip property in Emeryville, California, but didn’t tick the boxes for the big banks. She contacted Equidy looking for funding solutions.

Funding the project

We put together a $1 million loan deal based on After Repair Value, where our client only had to put up 10 percent cash. $200,000 was set aside for construction, the rest went towards the purchase of the property.

The challenge

In the middle of renovations, the property caught on fire! We stuck with our client, allowed extra time, and were even able to leverage insurance payments to further support the project.

The result

Due to the fire the project took a year to complete, which was longer than expected, but the property still sold for more than $1.3 million at a profit of over $300,000. The client was happy and so was the agent, who got two listings!

“Since working with Equidy, I don’t have to wait or worry about financing projects. It’s a business relationship that is like family. They always offer advice and knowledge that goes far beyond the loan process. I love working with them”

Daysi

| Realtor & Flipper

(6x borrower)

Learn about funding, building and growing wealth with property

Frequently asked questions

Should I already have a property or project in mind before I get started with Equidy?

No, this is not required. In fact, we recommend that you get started as soon as possible before you find a property or project that needs fast funding. It only takes a few minutes to sign up, it’s free to get started, and we require no commitment until you’re satisfied with your loan terms. You can even go the extra mile and prepare most of your paperwork on the Equidy online platform, so you save time later. You never know when you’ll find that next great deal or when a time-sensitive construction project will come along. With Equidy, you can skip the line and jump straight to the approval process for your project.

If I start the application process online, what am I committing to?

Starting your application online is free, fast, and easy: there’s no commitment required, and it should only take a few minutes of your time. You can pre-qualify even if you haven’t found your next real estate project yet. Once you’ve told us about your desired property or construction project, our team will work hard to find a loan that suits your needs. This remains free of charge and with no strings attached until you are 100% satisfied with the terms of the loan we offered you and you are ready to sign a loan commitment letter.

What geographical areas do you serve?

We support property entrepreneurs in California. We have been helping fund property projects in the San Francisco Bay Area since 1975, so we have specialized experience and knowledge in this region, but also cover a wide range of other metropolitan and suburban communities in California too. We are not able to fund projects in other states.

I don’t have much property experience, does that matter?

We serve experienced property entrepreneurs, as well as complete beginners. While we do take experience level into account when assessing loan applications, we’ve also seen that many beginners have a work ethic, an innovative mind and an entrepreneurial background that makes up for any lack of property experience. We believe in turning dreamers into doers, so we want to support you to build your property empire. At Equidy, it’s not just about finance … we’re also a family of property developers and investors just like you, and have been doing this for over 40 years. We’re here to help you every step of the way. Start by downloading our free ebook, The Flipper’s Guide To Funding Your Property Empire.

Can I use your Fix & Flip Loan or Rental Loan for refinancing?

Yes, using our loans for refinancing is very common. For Fix-and-Flip Loans and Rental Loans, we offer refinancing loans up to 65% of the Loan-to-Value (LTV). We can also find a customized loan for you if you are doing buy-and-hold, or if you are using the BRRR (Buy-Rehab-Refinance-Rent-Repeat) strategy that combines the capital building aspect of house flipping with the passive income of a rental property. For example, we can offer you a loan that’s optimized for your Fix-and-Flip project and help you refi with a loan optimized for a long-term rental property after the rehab process is completed. We designed our loan process for serial-borrowers, so you can choose from a wide array of loan products without having to go through the full process of application and documentation again. Contact us to discuss anything.

Do you offer portfolio asset loans?

For our Rental Loans we offer portfolio assets loans for five properties or more. If you need a Fix-and-Flip Loan, it may also be possible to cross-collateralize your property and leverage your equity to qualify for more funds. Our Equidy experts will look into this option during the application process and determine which out-of-the-box solution best suits your needs.

What if I decide to keep or rent out the property I built or flipped?

Most flippers want to sell their improved property as soon as the rehab process is completed, just like most developers want to sell their newly-built property to the highest bidder. However, we never want to put you in a box. If you change your mind and decide to hold or rent out the property you built or improved, our Equidy team will work with you when you’re ready to refinance. You can refi into another short or long-term loan, including a portfolio loan. We can arrange take-out options in certain situations too. We also support the real estate entrepreneurs who use the BRRR (Buy-Rehab-Refinance-Rent-Repeat) strategy that combines the capital-building aspect of house flipping with the passive income of a rental property. Get started with a Fix-and-Flip loan for quick and easy funding when you need it, and we will help you refi with a Rental Loan after the rehab process is completed. We optimized our loan process for serial-borrowers, so you can choose from a wide array of loan products without having to go through the full process of application and documentation again. 

How do I become an investor with Equidy?

Equidy has long-term relationships with many trusted investors who support the ambitions of California property entrepreneurs, while making great returns in the process. Interested in investing? Contact us.

How and when are investors paid?

When borrower payments are received, funds will be held for five days and then released to lenders as a credit to their Equidy account. Lenders can request withdrawals of their available funds online by ACH.

I have another question, who can I talk to?

We’re here to help! You can email us hello@equidy.com or call us at (800) 985-9256. You’re also welcome to visit our office in Danville, CA.

Ready to get started?

Take a few minutes to start your loan application process.

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