Fix & Flip / Fix & Rent (BRRR) ( PPC )2025-07-15T19:18:12+00:00

Tampa Fix & Flip Loans / Fix & Rent (BRRR) Loans

SEP Capital Fix and Flip Loans redefine your real estate game, providing comprehensive funding for both property acquisition and renovations. As an asset-based lender, we prioritize the deal itself, minimizing the need for exhaustive documentation.

Distinct Advantages of SEP Capital Fix and Flip Loans:

All-In-One Funding

Secure financing not just for acquiring the property but also for renovations, streamlining the entire process under one roof.

Deal-Centric Approach

Unlike lenders burdened by excessive paperwork, our asset- based model focuses on the deal’s potential, facilitating lightning-quick decisions.

Flexible Underwriting

Experience flexibility in underwriting criteria; we look beyond traditional factors like credit scores, enabling a more inclusive approach to financing.

With SEP Capital, your fix and flip ventures gain momentum with swift, hassle-free funding that aligns with the unique demands of your real estate projects.

Fast Approval

Fast and Simple Process

Asset-Based Lending

Direct Lender

Flexible Underwriting

What Our Clients Are Saying

SEP Capital

Based on 24 reviews

5.0

Karen Nieradka

I had the pleasure of working with SEP Capital and I couldn’t be more impressed with my experience. Their team is awesome and very responsive and the process was smooth and transparent right from the get-go. If you’re looking for a reliable, trustworthy lender who understands the market, I highly recommend SEP Capital.

Christine Smith

Easy and straightforward. Looking forward to working with SEP again in the future.

Jake Lavagnino

We recently had the pleasure of working with SEP Capital to secure an investment lot, and the experience was nothing short of outstanding. From start to finish, the team at SEP Capital made what could have been a complicated and overwhelming process incredibly smooth and straightforward.

First and foremost, their customer service was top-notch. The team was knowledgeable, approachable, and responsive to every question we had. They took the time to explain the entire investment process clearly, ensuring that we felt confident and well-informed every step of the way. Whether it was explaining market trends, investment options, or the logistics of the transaction, SEP Capital provided us with all the information we needed to make a sound decision.

One of the standout aspects of our experience was how easy they made the entire process. There were no hidden fees, no confusing jargon—just a clear and transparent approach from start to finish. The team handled all the paperwork, negotiations, and legal details, leaving us free to focus on our investment goals without getting bogged down by the technicalities. Their attention to detail and thoroughness gave us peace of mind, knowing that everything was being handled professionally and efficiently.

If you’re considering securing a real estate investment, SEP Capital is the partner you want by your side!

Justin Peral

I have used Sepcapital multiple times now and each time they have been great to work with. Daniel and his team are quick to respond, fast and efficient. I will never use another company for a bridge loan again!

Martin Bosse

If you want a truly passive RE investment platform for your SDIRA, SEP Capital will fill that need. Danny and Kelsey are true professionals in the way they handle and work with individual capital investors funds. Every opportunity is presented in a professional and straightforward format and any questions are answered quickly and accurately. I’m working exclusively with Danny and his team going forward.

Ken Bosse

Danny and his team are great to work with. They communicate well and often throughout the loan process. They also lay out your account information in detail which is better than I’ve seen elsewhere. I would recommend working with SEP Capital

Chad Taniguchi

Investing with SEP Capital has been very rewarding. They are honest, professional, and easy to work with. We look forward to future investment opportunities.

Walter DeVenne

Daniel and Kelsey at SEP Capital Are the best lenders in Florida! I’ve worked with them for several years and my title company refers them any chance we get!

Stephen Danno

As an investor, I highly commend SEP for their exceptional services. The investment process was efficient and straightforward, and most importantly, the communication from the SEP team was outstanding throughout. I look forward to partnering with them again in the near future.

Harry Strick

Daniel and the team have been great to work with! We highly recommend them.

Lawrence Barnes

This company did a great job in helping me get my loan closed. This deal had 7 days to close and they did a phenomenal job!

Mayra

I was referred to Sep Capital, by my agent, a very good company to work with, easy process and prompt closing. Daniel and Kelsey are always quick to answer any question you have,

Lisa Joyner

It has been such a pleasure working with SEP Capital. The response time has been fast, great customer service and a great program offering. I would highly recommend to anyone looking for a hard money loan.

Christine Nicole

Dominick Devivo

Daniel and the team over at SEP Capital are always working diligently to provide the most exceptional experience to their clients. The communication and process is made simply without headache. I highly recommend connecting with SEP for any of your Capital needs.

Joseph Young

Excellent company to work with! Easy process – and have made closing deadline 100% of the time

Mat & Kitty Assenmacher

We had an outstanding experience working with SEP Capital. Daniel and Kelsey were exceptional – their communication was top-notch, they were quick to assist, offered competitive rates, and managed to close our deal in just 10 days. Their confidence and ability to deliver results make them a standout team in the real estate investing world. We highly recommend SEP Capital for anyone seeking seamless and efficient funding with a great team!

Matias Lenk

I’ve been working with SEP for several years, it’s always been a great experience. I highly recommend them.

Erica Savoy

I had a great experience with SEP Capital. The process was smooth and fast while closing on time. The communication was outstanding. I would be gladly to do more business in the future and referral others to them.

Matthew Wirsing

I have done numerous deals with them. Every deal has paid out as agreed, which is very important to me. Danny is always on top of any questions that I have and helping me place my funds in new investments quickly. I will continue to keep investing with them.

Andrew Steffens

Was looking for a good hard money lender in Tampa and was connected with SEP Capital through an agent. They were great to work with and I will definitely use them on future deals.

Andre Trinidad

What a please it has been working with SEP Capital! Such a smooth process from start to finish. Everything you need to know about your loan is available on their portal. Any questions I have are consistently replied to within 24 hours. Would highly recommend to anyone. Five stars top to bottom!

Carlos Gonzalez

I have been working with SEP Capital for a considerable period, and the experience has been nothing short of exceptional. This passive investment opportunity has proven to be a reliable source of income, thanks to the diligent efforts and expertise of Danny.

Kyle Cole

Great investment opportunities! I used to do hard money loans directly but SEP Capital offers close to the same rates with none of the headache. They really are a pleasure to work with.

Recently Funded Tampa Fix and Flip Loans

Below you’ll find links to just a few of our most recently-funded Tampa fix and flip loans. We’re a Tampa-based private real estate lender offering a full range of asset-backed loan products from fix & flip and no‑doc to commercial bridge and non‑recourse loans across Florida. If you’re ready to get started on funding your next flip, apply now!

Tampa Fix and Flip Loan FAQs

If you’ve got questions about how our Tampa fix and flip loan products work and how you can qualify, you’re in the right place.

At SEP Capital, we’ve got tons of experience helping investors fund their flips. We’re based in Tampa. We’re a private real estate lender offering a full range of asset-backed loan products from fix & flip, fix and hold, and no‑doc to commercial, bridge and non‑recourse loans across the state of Florida. If you’re ready to get started on funding your next flip, apply now!

Maybe. We determine value in several different ways: 1) appraisal from a licensed appraiser; 2) appraisal from real estate broker (Broker Price Opinion); and/or 3) internal appraisal by our underwriting team. You will be charged up-front for our valuation of the property and we will obtain the type of appraisal that best allows us to determine value. Once we receive the valuation report and ensure a clear title, we are ready to close within 1 business day.

One of the biggest advantages of working with a private lender like SEP Capital is SPEED. Approvals are usually given same-day and settlements can happen in just a few days depending on the project. Our team is well-equipped to handle urgent requests. In rush situations, we’re dedicated to expediting our lending process to accommodate your timeline. 

We are currently lending throughout the state of Florida.

Yes, but only on a refinance (no new purchases) and the cash withdrawn must be used for a business purpose. For example, we can lend on a primary residence if you need to tap into the equity in your primary to buy a new rental property. Another scenario where we could lend on a primary would be if you are a business owner and need to access the equity in your primary residence to purchase inventory. We cannot lend on a primary if the funds will be used for a consumer purchase – like fixing up your primary or paying off debt. Be sure to ask us as each situation is unique.

Your approval is not contingent on your credit score. While we do take credit into consideration, it is not the sole determining factor for us. We regularly fund loans for great clients with not so great credit scores.

Not necessarily. While we may look at bank statements and/or cash reserves, we typically do not need to see personal income statements or tax returns. We do offer a No-Doc loan where you can qualify without providing any credit or income verification. Find out more about that loan product here No-Doc

We primarily lend on investment residential and small balance commercial properties.

Like most private lenders, we typically prefer borrowers to have some “skin in the game.” This is to ensure a certain level of personal investment to demonstrate commitment and mitigate risk. If providing personal cash isn’t feasible for you, an alternative approach could be exploring the option of cross-collateralization, which would involve using the equity from one property to secure the loan for another.

No, most of our loans will have a 3 month interest guarantee but none will have a prepayment penalty.

No, our loans usually follow an interest-only payment structure. You pay only the interest monthly with a balloon payment at the end of the term.

We typically make lending decisions based on the appraised value of the property. If the property is being renovated we base it on the ARV (After Repair Value).

Sometimes – In most cases closing costs are not rolled into the loan, however if you are utilizing our cross-collateral loan product you can roll those costs into the loan, assuming there is enough equity.

To get started, all you need to do is fill out our quick Loan Application. Once submitted, someone from our office will review your application immediately, then if documents are required, will reach out to you to collect them.

No. As long as your deal meets our lending criteria, you will have no problem getting a loan from us, regardless of how many properties you already have.

Yes, however this may depend on your circumstances. Generally, as long as our loan is in first position and the LTV (Loan to Value) is low, we give you the freedom to put the deal together in any way that serves you best. 

Sometimes. We will want to understand the foreclosure and the clients circumstances, but again, with enough equity we can get any deal done.

Why SEP Capital For Your Next Tampa Fix and Flip Loan?

  • We’re local. Based right here in Tampa.
  • We’re private. We loan our own money.
  • We’re creative. Unique lending options when other lenders can’t.
  • We’re fast. Forget about the cumbersome bank process.
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