Renovation made smoother!
(Okay, maybe not that smooth, but better!)

BNB Lending provides fast, flexible financing for your Fix-N-Flip or Fix-N-Hold (BRRR) projects, offering 1 to 2-year interest-only terms to keep things moving smoothly.

We finance up to 85% of the purchase price and cover 100% of rehab costs, helping you get your property ready to rent or sell. With no prepayment penalties, you have the freedom to refinance or sell whenever it suits you. Our streamlined process ensures quick turnarounds—get a quote and funding in as little as 14 days.

 Asset Types

• Single Family Homes
• Townhomes
• Condos
• 2 - 4 Units (Duplex, Triplex, Quadplex)
• Multi-Family: 5 - 8 Units
• Mixed-Use: 2 - 8 Units
• Multi-Family: 9+ Unit

Loan Terms

Loan Sizes: $100k up to $3.5 Million (Larger loan sizes available on a case by case basis)

Purchase LTV: Up to 85%

Rate & Term Refinance LTV: Up to 80% 

Cash Out Refinance LTV: Up to 80%

Amortization: 30 Year % 40 Year Amortization Options Available

Term Lengths: 5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed

Floor Rate: 5.50% (subject to change daily due to market volatility)

Full Recourse with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)

DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.

Vesting: Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.

Average Time to Close: 14 to 35 days