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Flash Cash Loans

The flash cash loan product provides real estate wholesalers with 100% funding for double closings. This transactional funding product provides investors with a one- to two-day loan to close on wholesale deals.

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Flash Cash Loans 101

Helping investors fund their double closings

Obtaining adequate capital to close wholesale deals quickly in the current environment can be challenging. With fewer lenders providing flash cash, it is important to build a relationship with a knowledgeable and experienced partner in the industry. Leverage our nationwide flash cash loan product to provide financing for your next double closing. The product provides financing for 100% of your transaction with a quick and seamless close process.

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The Pine Advantage

Why Pine Financial for your loan?

Streamlined funding process

We offer industry-leading underwriting and funding times. Our underwriting and closing processes are efficient. We understand the art of the double close and can provide the funding you need to get the deal done.

No experience requirements

We provide dependable and proven capital at competitive rates regardless of your real estate investment experience.

Questions? Get in touch

Tel: (303) 835-4445

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Flash Cash Loans 101 

Tools to start your journey

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Fix & Flip Calculator

Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.

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Max Offer Worksheet

This worksheet walks you through calculating the maximum price you should pay for a property.

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Scope of Work Spreadsheet

This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.

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Questions? We’re here to help

How do you determine rates, leverage, and loan terms?
Rates and leverage are dependent on the type of project and property type. Risk is dependent upon your credit, loan details and loan term. Get started today to find out if you qualify and what your project term sheet looks like. You can submit an application online or call our office to speak to one of our loan officers.
If my project takes longer than expected, can you extend the loan term?
We strive to stay flexible and partner with you through your project. If you need to extend the term of your loan, we can extend the loan term by 3 months at a time. Loan modifications and extensions may be subject to fees and changes in interest rates.
Do you lend to first-time flippers?
Yes! We love helping first-time flippers. We are here to help with any questions you have including property valuations, budget reviews, and profitability calculations. Our goal is to work with you to help you succeed.
How do you determine the after-repair value (“ARV”)?
In most cases, the ARV is determined by an appraiser. We provide the appraiser with the list of repairs and scope of work, and the appraiser will determine the ARV assuming all repairs are completed.
How do repair draws work?
The full loan commitment amount is set aside for you upon origination and held in a trust by Pine Financial Group. Draws are made and funds are released upon completion of certain milestones to ensure that the scope of work documented during underwriting Is being completed. The first repair draw is advanced at close.
What if the repair costs incurred differ from the budgeted amount?
If costs incurred are less than the budgeted amount, you will receive all repair money upon completion of the project. If repairs cost more than the anticipated budget, you will be required to make all repairs indicated on the repair estimate submitted during underwriting out of pocket. The last repair draw will not be funded until all repairs have been made.
Do you pull credit? If so, when?
We understand that credit inquiries may impact your credit score. We do not pull credit when you apply. Rather, we wait until we are going to complete a deal together.
What are reserves and how much do I need to qualify?
Reserves represent the amount of cash you have on hand to fund expenses in excess of your budget and to fund your monthly interest payments. We require liquidity of the greater of 10% of the loan amount or $10,000. Retirement accounts are not considered in assessing your liquidity. Qualifying accounts and assets include personal or business checking and savings accounts, money market accounts, brokerage accounts, etc.

More loan options

Explore our other hard money offerings

Rehabilitation Loans

100% financing for real estate investors. This loan provides funding for the purchase price and rehabilitation costs, up to 70% of the property’s after repair value.

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90% Acquisition Loans

This loan provides borrowers with 90% of the property purchase price.
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90-90 Loans

A hybrid between our 90% Acquisition Loan and Rehab Loan products, the 90-90 Loan provides the benefit of funding the lion’s share of the rehab cost at a lower cost than the Rehab Loan.
Learn more

Bridge Loans

Bridge loans are used by real estate investors to cover the gap between the purchase of the property and their long-term financing solution.
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Construction Loan

This loan provides borrowers with financing to cover the cost of acquisition of land and development of a new home.
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IRA Loans

Have you ever thought about accelerating your retirement by fixing and flipping properties inside your IRA?  This is a highly specialized loan offered by only the most experienced lenders.  Find out how we can help you with your next IRA loan today.
Learn more