Not every deal fits the same mold. That’s why Prime Plus Mortgages offers both fix and flip loans and bridge loans, so you always have the right funding for your investment strategy. Get same-day approvals and fast closings from Arizona’s investor-trusted lender.
Understanding Fix and Flip vs. Bridge Loans
Both fix and flip loans and bridge loans offer fast, short-term capital, but they’re designed for different real estate strategies.
- Fix and flip loans are ideal for buying, renovating, and reselling a property for profit.
- Bridge loans are used to “bridge the gap” between two transactions: Used for buying a new property before selling the old one, or to secure a deal fast while arranging longer-term financing.
| Feature | Fix and Flip Loan | Bridge Loan |
|---|---|---|
| Primary Use | Buy, rehab, and resell property for profit | Bridge between buying and selling, or fast capital access |
| Loan Term | 6–12 months | 3–12 months |
| Rehab Included? | Yes — funds purchase and renovation | Usually no — covers purchase or down payment |
| Ideal For | Property flippers doing cosmetic or full renovations | Investors needing short-term capital without renovations |
| Repayment | After resale or refinance | After refinance or sale of existing property |
How Our Loans Actually Work
FIND A DEAL
GET FUNDED QUICKLY
SELL, OR REFINANCE
When to Use a Bridge Loan Instead of a Flip Loan
- You already have a finished property to sell
- You’re waiting on permanent financing but need to close now
- You don’t plan to renovate, just need time or leverage
- You want to avoid losing a property due to financing delays
Tips for Choosing the Right Loan
- Choose fix and flip if you’re renovating
- Choose bridge if you’re transitioning between deals
- Ask our team — we’ll help match the loan to the strategy
- Always plan your exit strategy up front
Reviews From Arizona Investors
Benefits of Bridge & Flip Loans from Prime Plus
- Fast approvals and closings (often same day)
- No income verification or credit minimums
- Rehab costs covered (for flip loans)
- Down payment assistance options (for bridge)
- Local experts who know the Arizona market
”“Bridge loans and flip loans are tools. We work with our investors to help them use the right loan for the right strategy.”
— Loren Howard, Founder, Prime Plus Mortgages
Loan Requirements
To qualify for a bridge or fix and flip loan in Arizona, you’ll need:
- A purchase contract or signed LOI
- Property valuation or comps
- Rehab budget (flip loans only)
- Exit strategy: resale, refinance, or payoff plan
Funded Fix & Bridge Projects
Our 3-Step Funding Process
1
Apply Online
2
Get Approved
3
Get Funded
Apply for a Fix and Flip or Bridge Loan In Phoenix
Prequalification Form & Investing Guide
Or Call 480-923-7602
Frequently Asked Questions
Do I need good credit for a bridge loan?
No. Like flip loans, our bridge loans are asset-based and flexible. We focus on the value and exit strategy.
Can I switch from a bridge loan to a flip loan?
Yes. If your plans change and you decide to rehab, we can convert your loan structure or refinance into a flip loan.
