Black Umbrella

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Black Umbrella

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Fix and Flip

100% Financing for Fix and Flip projects
PROPERTY TYPESMINIMUM FICO SCOREEXPERIENCELOAN TERM
1-4 Unit Properties620No Experience Required12-24 Months
Multi Family Apartment680Better Terms for Experienced Investors (5+ deals)Interest Only | Fixed/Adjustable Rate Options
Mixed Use680Better Terms for Experienced Investors (5+ deals)Interest Only | Fixed/Adjustable Rate Options
LOAN TO VALUELOAN AMOUNTDOWN PAYMENT REQUIREDRATES STARTING
75% of After Repair Value$75,000 – $3,000,0000% for 1-4 Unit Properties10.99%
70% of After Repair Value (Commercial)$200,000 – $3,000,0000%-15% for Commercial11.99%
70% of After Repair Value (Commercial)$200,000 – $3,000,0000%-15% for Commercial11.99%

WHY Black Umbrella?

KNOWLEDGE

We have a profound understanding of the market and know the industry well.

EFFICIENCY

We offer the most efficient execution in the industry with in-house underwriting.

AVAILABILITY

We have the capital to fund your next deal in as little as 72 hours.

THE POWER OF PRIVATE MONEY

Black Umbrella Lending offers tailored fix-and-flip loans and commercial bridge financing to help investors acquire and redevelop residential and commercial properties. Our underwriters move deals swiftly from pre-approval to closing, ensuring a seamless funding process.
We are committed to helping real estate investors, business owners, and contractors access the capital they need to purchase and revitalize properties, turning opportunities into profitable investments.
Finding a lender like us isn’t easy. We offer flexible and competitive financing solutions for real estate investors nationwide (excluding AZ, NV, SD, ND, HI, VT, and MN).

Loan Highlights:

  • Loan Amounts: $100K – $20M
  • Rates: Starting at 6.49%
  • Payment Options: Interest-Only, 30-Year Fixed, ARM
  • Points: 0% – 3%
  • Doc Fee: $1,495
  • Leverage: Up to 100% LTC | Up to 85% LTV
  • Terms: 12 – 36 months
  • Eligible Properties: 1-4 Unit Residential, Multifamily, Mixed-Use, Retail, Office, Warehouse
  • Use of Funds: Purchase, Construction, Investment Properties
  • No Appraisal Required for Active Investors
  • No Junk Fees – What you see is what you get
  • Minimum Credit Score: 620
  • No Prepayment Penalty – Pay off anytime without extra costs

Black Umbrella

Black Umbrella Lending offers tailored fix-and-flip loans and commercial bridge financing to help investors acquire and redevelop residential and commercial properties.

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