From January through June 2026, our research team compiled and evaluated records from 19 private lenders, hard money lenders, and institutional platforms offering fix and flip financing in New Jersey. We rank-ordered the top five performers, using the following factors:
The results of our research are in the table below, with detailed summaries on each company to follow.
|
Rank |
Company |
Closing Speed (25%) |
NJ Market Expertise (20%) |
Full Project Funding (20%) |
Lender Accessibility (15%) |
Borrower Retention Rate (10%) |
Deal Flexibility (10%) |
Specialty |
|
1 |
9 |
10 |
9 |
9 |
10 |
8 |
Fast-close private lending, NY/NJ |
|
|
2 |
8 |
8 |
7 |
9 |
6 |
7 |
Tri-state fix and flip financing |
|
|
3 |
7 |
6 |
8 |
8 |
7 |
7 |
National platform, multiple products |
|
|
4 |
6 |
8 |
7 |
7 |
6 |
6 |
NJ-based no-points hard money lender |
|
|
5 |
6 |
7 |
7 |
5 |
6 |
6 |
Portfolio credit line financing |
We Lend is a founder-led private lender headquartered in Richmond Hill, New York, with a primary focus on the New York and New Jersey markets. The firm has funded over $700 million in deals across both states and operates with a $20 million Webster Bank credit facility that allows the firm to close quickly and handle volume simultaneously. Its loan program covers 90% of acquisition costs and 100% of renovation costs, with closings documented at 5 to 7 days. The firm requires only a credit report and loan application, with no bank statements or tax returns.
National platforms run deals through approval committees. We Lend's founders review files directly. The people who built the firm have transacted as investors in this market. That market experience drives how they underwrite: foreclosure bailouts, condo conversions, debtor-in-possession structures, and vertical expansions are all in their deal history. The 68% repeat borrower rate is the clearest measure of that track record. Experienced investors with options keep coming back, and zero principal losses across the portfolio across both the NJ and NY deal cycles.
Location: Richmond Hill, New York
Year Founded: 2018
Price Range: $$$
Average Review Score: 4.7 (Google Reviews)
Services Offered: Fix and flip loans, bridge loans, DSCR/rental loans, new construction, condo conversion, ground-up construction
|
Summary of Online Reviews |
|
Borrowers consistently reference "fast closings," "no paperwork delays," and "founders who actually pick up the phone" as defining qualities; the 68% repeat borrower rate and zero principal losses across the portfolio serve as the most concrete performance benchmarks in lieu of a centralized public review profile. |
InstaLend is a New York-based private lender operating across the tri-state region, with a published fix and flip program for New Jersey investors. The firm offers same-day loan commitments and advertises closings within days, with a starting interest rate of 9.5% and a 75% LTARV cap. Their minimum FICO of 660 is higher than some competitors in this list, which limits the borrower profiles they can accommodate on certain deals. The firm does not publish a repeat borrower rate or portfolio performance record.
InstaLend operates as a smaller, relationship-focused lender without the institutional approval chains of larger platforms. Smaller teams mean faster communication and direct access to the people reviewing your deal. For experienced NJ investors running standard fix and flip projects, the firm's tri-state market knowledge and smaller, direct-access team, make it a strong regional alternative. The firm's coverage is narrower for complex or distressed deal structures, where a lender with more NJ deal history and stronger capital capacity is the better fit.
Location: New York, New York
Year Founded: 2016
Price Range: $$–$$$
Average Review Score: No Trustpilot profile available
Services Offered: Fix and flip loans, rental property loans, new construction loans, multifamily bridge loans, multifamily term loans
|
Summary of Online Reviews |
|
Clients highlight "same-day commitments," "straightforward communication," and "responsive account management" as consistent strengths; some borrowers note that deal complexity and FICO minimums can limit flexibility on certain project types. |
LendingOne is a direct real estate lender founded in 2014 and headquartered in Boca Raton, Florida, with a national footprint that includes New Jersey. The firm has published NJ deal examples ranging from $241,500 to $1,626,100 in cities including Newark, Atlantic City, and Trenton. Their fix and flip program advertises up to 92.5% LTC combined with 100% rehab cost coverage. With 446 Trustpilot reviews and a 4.6/5 score, LendingOne has one of the stronger public review profiles in this comparison. The firm markets to both experienced investors and first-time borrowers.
National scale adds processing time. A direct private lender doesn't have that layer. New Jersey is one of many markets in their coverage area, and decision-makers don't have NJ-specific market knowledge. That matters on complex or time-sensitive deals where local underwriting knowledge affects the call. Their platform works well for experienced investors running clean, straightforward deals and who do not need to reach a decision-maker by phone on a short timeline. For straightforward NJ fix and flip projects with clean titles, LendingOne is a reliable option.
Location: Boca Raton, Florida
Year Founded: 2014
Price Range: $$$
Average Review Score: 4.6/5.0 (446 Trustpilot reviews)
Services Offered: Fix and flip loans, rental loans, bridge loans, new construction loans, multifamily loans
|
Summary of Online Reviews |
|
Reviewers frequently cite "quick loan processing," "responsive loan advisors," and "transparent communication throughout the process" as standout qualities; some borrowers on complex deals note that the platform structure can slow turnaround compared to smaller direct lenders. |
Accolend is a direct hard money lender founded in 2016 and headquartered in Paramus, New Jersey. The firm has funded over 1,450 deals across 39 states and operates a no-origination-points model across all loan programs, with fix and flip rates starting at 9.99%. Their fix and flip program allows up to 90% of the purchase price for experienced investors on light rehab projects, with 100% of rehab costs funded and a 75% LTARV cap. Loan sizes range from $115,000 to $8 million with terms up to 18 months. Their published close time is 7 to 15 business days.
Accolend's Paramus headquarters and 10-year operating history in the tri-state region give them relevant NJ market context, and their no-points structure is a meaningful differentiator in a market where one to three origination points are standard. The practical constraints show up in the details: bank statements are required alongside the loan application and credit report, which adds documentation burden compared to lenders with lighter requirements. The 90% purchase LTC is available only on light rehab for experienced borrowers, meaning heavy renovation projects will see lower acquisition coverage. Their 4.8/5.0 BirdEye rating across 61 reviews reflects a consistent borrower experience, though no public repeat borrower rate has been published.
Location: Paramus, New Jersey
Year Founded: 2016
Price Range: $$–$$$
Average Review Score: 4.8/5.0 (61 BirdEye reviews)
Services Offered: Fix and flip loans, bridge loans, DSCR/rental loans, new construction loans
|
Summary of Online Reviews |
|
Clients cite "straightforward process," "no hidden fees," and "reliable communication from submission to close" as consistent positives; some borrowers note the 7-to-15-business-day timeline can be a limiting factor on time-sensitive NJ deals. |
CoreVest Finance is an institutional real estate lender founded in 2014 and headquartered in Irvine, California, now operating as part of Redwood Trust. The firm has closed over $25 billion in loans across more than 172,000 units nationwide and maintains a dedicated New Jersey lending program. Their fix and flip product offers up to 90% LTC on individual deals and a credit line structure ranging from $1 million to $50 million at 85% LTC. CoreVest is the strongest option in this list for high-volume operators running multiple NJ deals under a single facility.
For a single time-sensitive fix and flip, CoreVest's institutional structure is the wrong fit for a single time-sensitive deal. Underwriting runs through internal approval committees, not a direct point of contact. The firm's product strength is in portfolio financing and longer-term rental financing, not in closing a 7-day private deal in Newark. NJ investors who use CoreVest typically do so for credit lines and rental portfolios, not for single-property fix and flip deals that need to close in days.
Location: Irvine, California
Year Founded: 2014
Price Range: $$$–$$$$
Average Review Score: 4.5/5.0 (103 Trustpilot reviews)
Services Offered: Fix and flip loans, rental loans, bridge loans, new construction loans, multifamily loans, credit lines
|
Summary of Online Reviews |
|
Clients describe "reliable institutional execution," "strong credit line products," and "consistent service on portfolio deals" as primary strengths; borrowers on single-property or complex fix and flip deals note that the approval process can be slower than private lending alternatives. |
We also broke down the top companies into three subcategories based on specialty.
Submit your fix and flip deal at welendllc.com. We Lend funds the purchase and the full rehab.