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REAL ESTATE INVESTORS: FAST PRIVATE MONEY — Fix & Flip • Bridge • Cash
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If you're flipping houses anywhere in Tennessee, you need a lender who understands local markets, local values, and local timelines — not some out-of-state hard money company that takes 3 weeks to make a decision.
At Initiation Funding LLC, we’re Tennessee-based private lenders helping local investors close fast, scale their flipping business, and win deals with strong, reliable funding.
If the deal makes sense, we fund it — fast.
I’m a private lender offering simple, asset-based funding for investment properties.
Fix & Flip Loan Programs (Short-Term)
Whether you’re seasoned or brand-new, we have a tier that fits:
TIER A – Best Rates (Experienced Investors)
* 90% of Purchase
* 100% of Rehab
* Up to 75% of ARV
* 90% LTC
* Experience: 2 deals in last 2 years
* Credit: 720+
* Cash-Out: Up to 65% (no max, 6-month seasoning)
* No tax returns • No baseline inspection • No well/septic requirements
TIER B – Mid-Tier (Light Experience or Lower Credit)
* 90% of Purchase
* 100% of Rehab
* Up to 70% ARV
* 90% LTC
* Experience: 2 deals in last 2 years
* Credit: 660–719
* Cash-Out: 60% up to 150k (6-month seasoning)
* No tax returns • No baseline inspection
TIER C – First-Timers & Credit-Challenged
* 90% of Purchase
* 90% of Rehab
* Up to 65% ARV
* 90% LTC
* Experience: First-time flippers welcome
* Credit: No minimum score required
* Cash-Out: 50% up to 75k (6-month seasoning)
* Tax returns required
* Baseline inspection required
Why TN Investors Choose Initiation Funding LLC
✔ Tennessee-based, Tennessee-focused
✔ We understand TN comps, values, risks & markets
✔ Same-day term sheets & fast approvals
✔ Close in as little as 7 days (with full and complete application)
✔ No income verification for most tiers
✔ We fund first-timers AND experienced investors
✔ Fair, transparent terms
Whether you’re flipping in Nashville, Knoxville, Chattanooga, Memphis, Clarksville, Murfreesboro, or any surrounding TN markets — we’ve got you covered.
We Fund:
* Fix & Flips
* Bridge Loans
* Cash-Out on Investment Properties
* Buy/Hold & Rental Portfolios
* 1–4 Units, Condos, Townhomes
* Mixed-Use & Small Commercial (case-by-case)
To get an exact quote, send:
1. Property Address
2. Purchase Price
3. Rehab Budget
4. Estimated ARV
5. Your Experience (# of flips)
6. Estimated Credit Score
Alec Smith
Initiation Funding LLC
Text: 931-218-4603 - Direct Cell
If you have a deal under contract or need an approval letter TODAY — reach out now.
Investors: If the numbers make sense, we fund it.
Fast answers. Fair terms. Funding you can count on.
Recently funded: 3BR flip in Knoxville – $212,000 – closed in 6 days.
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