The Top Fix and Flip Lenders in New Jersey of 2026

From January through June 2026, our research team evaluated 14 private lenders actively funding fix and flip projects in New Jersey. We scored and rank-ordered the top seven across the following factors:

• Avg. Review Score (25%): Aggregated ratings from Google, Trustpilot, Birdeye, and Private Lender Link, weighted toward platforms with the highest volume of independently verified reviews.
• Maximum Loan-to-Cost (20%): The highest published LTC a lender will fund on a fix and flip deal, indicating how much of the total project cost the lender is willing to carry before the borrower needs to inject equity.
• Speed to Close (15%): Verified time from application to funded deal, drawn from each lender's published closing timelines and documented deal examples.
• Loan Range (10%): The minimum and maximum loan amounts a lender will fund, used as a proxy for flexibility across deal sizes from smaller residential flips to larger mixed-use rehabs.
• Track Record / Year Founded (10%): Years in active operation combined with total origination volume where publicly disclosed, used as a measure of institutional depth and underwriting consistency over time.
• Rehab Cost Coverage (10%): The percentage of approved renovation costs the lender will fund alongside the acquisition loan, reflecting how fully the lender will carry the complete project budget rather than the purchase alone.
• NJ Market Expertise (10%): Documented NJ deal volume, geographic coverage across New Jersey counties, and demonstrated familiarity with local permit cycles, contractor networks, and market-level conditions.

The table that follows shows the top performers, with reviews beneath it.

Note: Loan terms, closing speeds, and maximum leverage limits are based on stated lender guidelines and are subject to borrower qualification and asset underwriting.

The Top Fix and Flip Lenders in New Jersey of 2026

In the table below, we break down the top fix and flip lenders serving New Jersey real estate investors across seven performance criteria.

*Overall Score is a weighted composite of the seven criteria above. Review scores are aggregated from Google, Trustpilot, Birdeye, and Private Lender Link where publicly available. NJ Expertise Score is an editorial assessment based on local market activity, geographic coverage, and NJ-specific loan programs. (West Forest Capital terms may vary based on LTV constraints.)

1. We Lend LLC, for full-cycle fix and flip funding in New Jersey

We Lend LLC is a New York-based private lender that operates in 46 states, with a concentration of deal volume in New Jersey and the broader tri-state area. The firm was founded in 2018 by Ruben Izgelov, who built his background as a real estate investor in the Northeast before transitioning into lending. That firsthand investing experience shapes the way the team underwrites: quickly, with an emphasis on the deal rather than the borrower's tax returns.

Their fix and flip program covers up to 90% of the purchase price and 100% of approved rehab costs, with no prepayment penalty on bridge loans. Closings typically happen within seven days, and they fund loans from $150,000 to $15 million across residential and mixed-use asset types. The loan portfolio includes ground-up construction, DSCR rentals, bridge loans, and vertical and horizontal expansions alongside the core fix and flip product, which lets repeat borrowers build a full portfolio without switching lenders. We Lend has originated over 1,400 loans and manages a portfolio in excess of $700 million.

• Location: New York, NY (nationwide, strong NJ presence)
• Year Founded: 2018
• Price Range: $$$-$$$$$
• Average Review Score: 4.7/5.0
• Services Offered: Fix and Flip, Ground-Up Construction, Bridge, DSCR Rental, Multifamily, Condo Conversion

2. LendingOne, for high-volume fix and flip across multiple NJ markets

LendingOne is a national private lender with an established presence in New Jersey, having funded fix and flip deals in Newark, Atlantic City, and the surrounding metro areas. Founded in 2014, the firm has built a dedicated investor hub with a New Jersey resource page, funded deal case studies, and local market commentary covering Newark's redevelopment corridor and Jersey City's condo activity. Their Trustpilot profile holds 4.6 out of 5 stars across 446 reviews, one of the larger verified review datasets in this category.

The fix and flip program covers up to 92.5% of total loan-to-cost and 100% of rehab costs, with loan amounts starting at $70,000 and scaling into the tens of millions for portfolio credit facilities. LendingOne also operates a Fix to Rent product that provides up to 95% LTC with rate reductions built in, making it a strong fit for investors running a BRRRR strategy through New Jersey's rental markets. The documented closing timeline runs 10 to 14 days, which is competitive at scale but trails some of the region-specific lenders on this list.

• Location: National
• Year Founded: 2014
• Price Range: $$-$$$$$
• Average Review Score: 4.6/5.0
• Services Offered: Fix and Flip, Fix to Rent, DSCR Rental, New Construction, SFR Portfolio

3. Stormfield Capital, for balance-sheet bridge lending in the Northeast

Stormfield Capital was founded in 2015 and is headquartered in Southport, Connecticut. It operates as a direct balance-sheet lender, meaning it funds, holds, and services every loan in-house rather than selling to secondary markets. In practice, that means no mid-process handoffs, no third-party credit committee delays, and no servicing transfers during a rehab. New Jersey is one of Stormfield's nine core markets, alongside New York, Connecticut, Pennsylvania, and Massachusetts.

The fix and flip program goes up to 92.5% LTC and 90% of the purchase price, with loan amounts from $150,000 to $30 million and terms of 12 to 18 months. Rates start at 8.99%, and origination fees run 0 to 2 points depending on deal size and borrower experience. Closings target 7 to 10 business days. Stormfield has deployed over $2.0 billion in total loan principal and maintains a roster of 500-plus active investors. Published case studies include completed projects in New Jersey and Pennsylvania.

• Location: Southport, CT (NJ core market)
• Year Founded: 2015
• Price Range: $$$-$$$$$
• Average Review Score: 4.2/5.0
• Services Offered: Fix and Flip, Bridge, Ground-Up Construction, Multifamily Bridge, Commercial Bridge

4. West Forest Capital, for fast local execution across all 21 NJ counties

West Forest Capital is a direct private lender that closed its first New Jersey deal in 2013 and has maintained an active presence in the state ever since. The firm lends across all 21 New Jersey counties, with documented funded deals in Jersey City, Newark, and Elizabeth and a noted familiarity with local permit timelines, building inspectors, and contractor networks in markets like East Orange, Paterson, and Woodbridge. That level of city-specific knowledge is uncommon among national lenders.

Their NJ fix and flip program covers up to 80% of the purchase price and 100% of rehab costs (subject to LTV constraints), with loan amounts from $100,000 to $5 million and standard terms of 12 months (with 24 to 36 month options available). Interest rates range from 10% to 12.5%, with 1.5 to 2 points at closing. West Forest claims same-day pre-approval, with funding in 3 to 5 days and a documented 24-hour close on urgent deals. The maximum LTC is lower than some national competitors, but the speed and NJ-specific depth offset that trade-off for many active flippers.

• Location: New York, NY (NJ/NY/CT focus)
• Year Founded: 2013
• Price Range: $$$-$$$$
• Average Review Score: 4.2/5.0
• Services Offered: Fix and Flip, Bridge, Refinance, Ground-Up Construction (NJ/NY/CT)

5. CoreVest Finance, for repeat flippers running portfolio credit lines

CoreVest Finance is a national private lender now operating as part of Ready Capital. It has funded fix and flip projects across New Jersey for single-family, condo, townhome, and multifamily assets, and it holds a 4.0 out of 5 star rating on Trustpilot across 103 verified reviews. The firm's primary differentiator in this space is its Fix and Flip Credit Line, a revolving facility ranging from $1 million to $50 million-plus that lets high-volume investors draw and repay capital across a pipeline of properties without reapplying each time.

Individual fix and flip loans run from $75,000 to over $2 million, up to 90% of cost, with terms of 6 to 24 months extendable. Their 2-Year No Ratio Bridge product offers up to 100% of cost at 70% of value, interest only, with no prepayment penalty, making it a useful tool for investors who need maximum leverage and flexibility on a single asset. Closing timelines tend to run 14 to 21 days, reflecting the firm's institutional scale and multi-layer approval process. CoreVest is best suited for investors managing active pipelines rather than one-off flips.

• Location: National
• Year Founded: 2014
• Price Range: $$-$$$$$
• Average Review Score: 4.0/5.0
• Services Offered: Fix and Flip, Fix and Flip Credit Line, Bridge, New Construction, Rental Portfolio

6. Malve Capital, for flexible NY/NJ fix and flip with no FICO floor

Malve Capital is a direct private lender operating in the New York and New Jersey market with a straightforward product set: fix and flip, acquisition, refinance, and ground-up construction loans. The firm requires no minimum FICO score, no tax returns, no W-2s, and no bank statements; the underwriting centers on the asset and the deal, not the borrower's income profile. Loan amounts run from $50,000 to $10 million, with 12 to 24 month terms, rates starting at 9%, and no prepayment penalty. Closings target 5 business days.

Malve Capital has funded documented deals in New Jersey, including a recently closed transaction in Forked River, NJ. The firm's lean documentation process makes it accessible to investors who hold assets in LLCs or other entities that don't produce clean W-2 income. Borrower testimonials across the firm's website and social channels reference repeat use and quick turnarounds, though the absence of a large aggregated public review dataset makes it harder to independently verify borrower sentiment beyond what the firm publishes. The firm's operating range is NY and NJ focused, which limits its utility for investors with out-of-state pipelines.

• Location: New York, NY (NY/NJ focus)
• Year Founded: ~2019
• Price Range: $$-$$$$
• Average Review Score: 4.5/5.0
• Services Offered: Fix and Flip, Acquisition, Refinance, Ground-Up Construction

7. Rehab Financial Group, for 100% purchase and rehab financing in NJ

Rehab Financial Group is a Rosemont, Pennsylvania-based private lender that has funded loans across New Jersey and other Northeastern states. The firm's flagship product is its 100% Fix and Flip Premier Loan, which covers the full purchase price and 100% of rehab costs, up to 75% of the after-repair value, for borrowers with a strong credit profile and verifiable income. That structure eliminates the down payment requirement, which is a concrete advantage for investors who are capital-constrained between active deals.

Their standard private money loan runs at rates from 9.99%, with origination from 2 points, and closes in 5 to 10 business days. Loan amounts run from $100,000 to $1.25 million on their core product, with a separate program for multifamily and mixed-use properties of 9 or more units. Rehab Financial Group publishes a dedicated New Jersey lender page with program details and a 30-year rental loan product for investors transitioning from flip to hold. Review scores are mixed across platforms, with some negative experiences documented on Yelp that prospective borrowers should weigh alongside the firm's stated track record.

• Location: Rosemont, PA (NJ/PA active)
• Year Founded: 2009
• Price Range: $$-$$$
• Average Review Score: 3.6/5.0
• Services Offered: Fix and Flip, 100% Premier Loan, Ground-Up Construction, Multifamily, 30-Year Rental

Spin-Off Rankings

We also broke down the top companies into three subcategories based on specialty.

The Top Fix and Flip Lenders in New Jersey by Founder Accountability

Most private lending platforms route borrowers through account managers, processing queues, and underwriting committees that the investor never directly reaches. For NJ fix and flip deals where timing and deal nuance matter, the five lenders below offer the clearest access to the person actually reviewing the file and making the call.

1. We Lend LLC: Founder Ruben Izgelov reviews files personally. No algorithm approves or declines deals; no committee adds a layer between the investor and a decision. The firm's track record reflects that accountability directly: $700M in total originations, 1,400-plus loans closed, a 68% repeat borrower rate, and zero principal losses on record.
2. West Forest Capital: Founder-led firm with a small direct team; the same person who handles initial intake is involved through approval and close.
3. Malve Capital: Dedicated team member assigned per deal, reachable by direct phone and email throughout the project. No handoffs between departments.
4. Stormfield Capital: Partner-led credit platform with in-house underwriting and in-house servicing. No third-party credit committee; no loan sale mid-process.
5. Rehab Financial Group: All underwriting decisions made in-house, with same-day approval on standard files and a direct phone line for deal pricing.

The Top Fix and Flip Lenders in New Jersey by Deal Flexibility

New Jersey's most profitable fix and flip opportunities often have complications: a distressed title, a collapsed conventional loan, a deal structure that doesn't fit standard underwriting boxes. The five lenders below have the documented history and capital structure to fund scenarios that most lenders decline before finishing the intake form.

1. We Lend LLC: Funds rescue loans in as little as 48 hours, condo conversions, foreclosure bailouts, and deal structures that banks and institutional lenders routinely pass on. Friends and family capital backs every loan, meaning every file is evaluated on its merits by people with personal stakes in the outcome. A $20M Webster Bank credit facility provides the execution certainty to close what others cannot. These are not edge cases at We Lend; this is the core business.
2. CoreVest Finance: 2-Year No Ratio Bridge accommodates atypical cash flow profiles; the revolving credit line structure handles complex multi-property pipelines that don't fit single-loan underwriting.
3. Stormfield Capital: No minimum FICO requirement; funds first-time investors alongside seasoned operators and has published case studies on complex bridge and mixed-use project executions.
4. Malve Capital: No income documentation, no tax returns, no W-2s required; structured to serve investors whose income profile doesn't match conventional underwriting criteria.
5. West Forest Capital: Lends on properties without a Certificate of Occupancy; accommodates mid-project budget overruns and out-of-order construction sequences, both common complications in New Jersey's older housing stock.

The Top Fix and Flip Lenders in New Jersey by Long-Term Borrower Trust

A high repeat borrower rate is one of the clearest signals that a lender actually executes on what it promises. Investors return when closings happen on time, draws are funded without friction, and the relationship holds up under pressure. The five lenders below show the strongest documented evidence of long-term investor relationships in New Jersey and the broader tri-state market.

1. We Lend LLC: 68% repeat borrower rate, $700M in total originations, zero principal losses on record, and a $20M Webster Bank credit facility as independent confirmation of institutional confidence in the operation. Those numbers are the proof, not the pitch.
2. LendingOne: 446 Trustpilot reviews at 4.6/5; multiple documented multi-deal borrower relationships in public investor forums and funded deal case studies for New Jersey markets.
3. Stormfield Capital: 500-plus active investors, $2.0B-plus in deployed capital since 2015, and published repeat borrower testimonials referencing consistent execution across multiple transactions.
4. West Forest Capital: 13-year New Jersey track record; documented borrower testimonials include one referencing six completed deals within an eight-month period.
5. Malve Capital: Multiple published borrower testimonials reference ongoing multi-deal relationships; no prepayment penalty on fix and flip loans encourages early payoff and a clean path to repeat transactions.

Have a Fix and Flip Deal?

New Jersey's fix and flip market rewards investors who can move fast, fund the full renovation, and work with a lender who understands the deal rather than just the credit profile.

We Lend LLC combines full rehab coverage, a 7-day close, and a founding team with direct investing experience in New Jersey and the broader tri-state market.

Submit your fix and flip deal at welendllc.com. We fund the purchase and the full rehab.