Understanding the Fix-and-Flip Loan Drawing Process

Jul 30, 2025

One of the biggest advantages of using a fix-and-flip or rehab loan is that it doesn’t just cover property acquisition; it also finances your renovation costs. To ensure funds are distributed responsibly and projects stay on track, lenders use a drawing process. Here’s how it works when you partner with us;

How the Drawing Process Works

  • Staged Disbursements
    Instead of receiving the entire rehab budget upfront, funds are released in stages as renovations progress. This ensures that money is being applied directly to completed work.
  • Draw Requests
    When you’ve reached a project milestone, you submit a draw request. This includes documentation of the work completed, such as construction progress inspections, paid invoices, or receipts.
  • Review and Approval
    Each request goes through a thorough verification process. Our team reviews the required documentation to make sure all work aligns with the project scope and budget.
  • Reimbursement
    Once approved, funds are reimbursed based on a third-party inspection of the completed work. This adds an extra layer of transparency and accountability for both borrower and lender.

Why This Matters for Investors

The draw process protects your investment by keeping the project financially aligned with actual progress. It also ensures you’re not paying interest on unused funds, since interest is only charged as money is drawn and disbursed. For investors, this means better cash flow management and increased profitability.

Our drawing process is to be efficient, transparent, and investor-friendly. By combining fast closings, up to 100% rehab financing, and a clear draw structure, we give real estate investors the confidence to take on projects of any size.

Contact us for more fix-and-flip info.