The clearest test of a fix-and-flip lender is whether investors come back. At Clion Capital, 70% of our business comes from repeat borrowers. We offer fix-and-flip rates from 9.00%, up to 92.5% of cost with 100% of rehab funded, term sheets within 24 hours and closings in 7 to 10 business days.
What Does a 70% Repeat Rate Tell You?
Active flippers have options. Most get quotes from several lenders on every deal. When seven of ten loans go to returning borrowers, it means investors who could have gone anywhere chose to come back.
That matters more as margins tighten. The typical flip earned a 21.5% gross return in Q2 2026, down from 27.6% a year earlier (attomdata.com). With less room for error, a lender who closes on time and funds draws fast is worth more than a slightly lower rate. Reliability is a return.
What Keeps Borrowers Coming Back?
| What investors need | How we deliver |
|---|---|
| A fast answer | Term sheets within 24 hours, instant quotes at apply.clioncapital.com |
| A predictable close | 7 to 10 business days for fix-and-flip and bridge loans |
| Draws that keep crews working | Draw inspections within 24 hours |
| Enough leverage | Up to 92.5% of cost and 90% of ARV, 100% of rehab funded |
| Less paperwork | No income verification; asset-based underwriting |
| A real contact | Our principals work directly with every borrower |
What Are Clion Capital’s Terms?
Fix-and-flip rates start as low as 9.00%, new construction as low as 9.25% and rental loans as low as 7.00%. Origination starts at 1.00%, and the underwriting fee is a flat $999. We are a direct lender, so the people who quote your loan fund it.
That consistency matters when credit elsewhere is tightening. Builders reported the eighteenth straight quarter of tighter construction credit in NAHB’s Q2 2026 survey (eyeonhousing.org).
What Can a First-Time Borrower Expect?
- Get an instant quote with no hard credit pull.
- Talk through the deal with a principal.
- Receive a term sheet within 24 hours.
- Close in 7 to 10 business days once the appraisal and title are in.
- Request draws as work is completed; we inspect within 24 hours.
Most of our repeat clients started as first-time borrowers with us. The second deal is faster because we already know your work.
Why Does a Lender Relationship Pay Off?
Competition for good properties is real. Investors bought 27% of U.S. single-family homes from March to June 2026 (cotality.com). The investor whose lender already knows them can make a cleaner offer and close sooner.
Read how experienced investors earn better terms, how to compare private lenders and how fast a private lender can close. Then see your rate at apply.clioncapital.com.
Here is what that looks like on a typical deal: a $250,000 purchase with $60,000 of rehab. At 92.5% of cost, the loan is $286,750, and you bring about $23,250 plus closing costs. On the second deal with us, the same file moves faster because your entity documents and track record are already on record.
Frequently Asked Questions
Is Clion Capital a direct lender?
Yes. Clion Capital funds its loans directly, and our principals work with every borrower.
What share of Clion Capital’s business is repeat borrowers?
About 70% of our business comes from borrowers who have worked with us before.
What are Clion Capital’s fix-and-flip rates?
Fix-and-flip rates start as low as 9.00%, with origination from 1.00% and a flat $999 underwriting fee.
How fast does Clion Capital close?
We issue term sheets within 24 hours and close fix-and-flip and bridge loans in 7 to 10 business days.
Does Clion Capital work with first-time flippers?
Yes. We work with new and experienced investors. Experience can raise leverage, but a strong deal and team matter most.
Last updated October 27, 2026.
Sources and References
- ATTOM: Q2 2026 U.S. Home Flipping Report
- NAHB Eye on Housing: Cost of Credit for Builders Up Since the End of 2025 (AD&C Survey, Q2 2026)
- Cotality: Investor Report, Q2 2026
- Clion Capital: rates and loan programs
About the Author
Clion Capital is a direct private lender for professional real estate investors, offering fix-and-flip, bridge, new construction and DSCR rental loans. Our principals work directly with every borrower, and 70% of our business comes from repeat clients. See your rate instantly at apply.clioncapital.com or learn more about Clion Capital.