Banks take 45+ days and kill your deals. We work with private lenders who fund on equity and ARV — no T4s, no stress test, no waiting.
Fix and flip investing runs on speed and deal flow. Here's what kills most investors before they even get started:
Traditional lenders need 30–60 days and still might say no. The distressed property you found won't wait. Private financing can fund in days — keeping your deal alive while competitors are still waiting for approval.
Banks lend on current condition. If your flip needs significant work, they'll decline or drastically undervalue it. Private lenders lend on ARV — the value after your renovation is complete — so the deal actually makes sense.
You're an investor, not a salaried employee. Banks run a full stress test and want two years of T4s. Private lenders focus on the deal — purchase price, ARV, and equity. Bank statements may still be requested, but there's no stress test and no rigid income qualifier.
You've got the property under contract but need capital for the renovation on top of the purchase. Construction draw financing lets you access funds in stages as work is completed — so your cash isn't all tied up upfront.
Banks appraise the property as-is and decline. Private money looks at the end game.
You find a distressed property under market. The deal is in the buy — not the sell.
Kitchen, baths, flooring, systems. Capital accessed in draws as work is completed.
Post-reno comparable sales determine ARV. This is what private lenders lend against — up to 65–70%.
After purchase, reno, financing costs, agent fees, and your carry. That's the number that matters.
We're mortgage brokers with access to private lenders who understand fix and flip. No retail bank friction — just equity-based lending sized for your deal.
We work with real investors on real deals — not just the clean files. We'll give you a straight answer on what's possible for your specific property and numbers.
Every project is different. Here's a look at the kinds of files we work on.
Investor found a derelict bungalow priced below market. Banks declined on condition. Private lender funded based on $485K ARV — investor completed reno in 11 weeks and sold.
Experienced flipper needed a draw structure to fund a full gut renovation in phases. Private lender released funds at framing, rough-in, and completion — matching the reno timeline.
Investor had equity sitting in a completed flip pending sale. Bridge loan unlocked that equity to secure the next project before the first sale closed — keeping deal flow continuous.
Investor already had a cheap first mortgage in place and didn't want to break it. 2nd position private mortgage layered on top to fund the renovation — preserving the favourable rate on the 1st.
Illustrative examples only. Details are representative of deal types we work on. All financing is subject to lender qualification, property assessment, and approval on individual merits. Results will vary. OAC.
From contract to funded flip — how it works
Enter your deal numbers and see your estimated loan, monthly carry cost, and all fees — before you talk to anyone.
No credit check required to start. A licensed Alberta broker will follow up the same day.
Deal size (ARV or purchase price)
A NOW Mortgage broker will reach out shortly to discuss your flip and what we can put together. Want to get on the calendar now?
Book a Call →Start the full application — we'll have your file in front of lenders fast.
Start Full Application →