Borrower

Capital Solutions up to 100% of Purchase and 100% of Rehab Cost.

Fast Funding, Proven Results

Stop leaving your liquidity tied up in deals. MEC Capital provides aggressive, asset-based commercial leverage frameworks in the Southeast for experienced single-family residential operators.

Our Single-Family Loan Programs

We prioritize asset value and project viability over traditional debt-to-income (DTI) metrics. Our underwriting centers on the property’s After-Repair Value (ARV). If the deal underwriting is sound, we fund it.

Feature

MEC Capital Fix-and-Flip

Traditional Bank

Purchase Funding

Up to 100%

75% - 80%

Rehab Funding

100% (Draw Based)

0% (Out of Pocket)

Time to Close

5 – 7 Business Days

30 – 45 Days

Credit Requirements

Asset-Based / Flexible

Strict / Credit-Driven

Asset Class

Non-Owner Occupied SFH

Primarily Owner-Occupied

MEC Velocity

The "MEC Velocity" Draw Process

Unnecessary delays in construction funding can disrupt active single-family rehabs. Our streamlined commercial draw platform is engineered to accelerate liquidity for professional flippers.

  1. Submit Proof of Progress: Upload milestone photos, receipts, and contractor invoices directly to the secure MEC Borrower Portal.
  2. Rapid Verification: We initiate a remote virtual assessment or desktop review within a target window of 24 hours.
  3. Expedited Wire Transfer: Once construction milestones are verified, we process a wire reimbursement for that milestone stage directly to your entity’s operating account.

Regional Expertise

Regional Expertise: Where We Lend

MEC Capital serves as a specialized, “boots on the ground” commercial bridge lender across the following key regional markets:

  • Texas: Supporting professional fix-and-flip operators in Houston, Dallas, Austin, and San Antonio.
  • Georgia & Tennessee: Providing rapid single-family residential capital throughout the Atlanta and Nashville metro corridors.
  • The Southeast Corridor: Strategic commercial funding pathways available across Arkansas, Louisiana, Mississippi, and Alabama.

No-Hassle

Underwriting Criteria to Streamline Your Next Closing

To deliver on our fast funding timelines, we maintain transparent, transaction-focused requirements:

  • Property Type: Non-owner occupied, business-purpose single-family residential (SFR) real estate only.
  • Valuation: Broker Price Opinion (BPO) or a full independent commercial appraisal determined by transaction size.
  • Insurance Coverage: Active Builder’s Risk and Comprehensive General Liability policies matching fund guidelines.
  • Entity Requirement: All loans must close exclusively within a valid business entity (e.g., LLC, LLP, or Corporation).
Funding

Ready to Submit a Competitive Property Offer Today?

Avoid missing out on high-margin acquisitions due to lagging proof-of-funds documentation. Approved MEC borrowers can instantly generate customized, asset-backed Proof of Funds (POF) letters through our platform to verify capital capability to wholesalers and real estate agents.

Apply Now

Disclosures: All loan programs, funding facilities, leverage tiers, and financial products provided by MEC Capital are structured strictly for business-purpose, commercial, investment, or real estate rehabilitation transactions. Under no circumstances are lending products or capital draws available for personal, family, consumer, or primary residential purposes. MEC Capital does not issue consumer mortgages or finance owner-occupied properties. Reaching “100% of Purchase and 100% of Rehab” represents a maximum available funding cap reserved for highly experienced real estate operators and properties with exceptional equity metrics; actual loan-to-cost (LTC) and loan-to-value (LTV) limits are finalized solely upon underwriting completion. Funding timelines, closing windows (such as the target 5–7 business days), and draw reimbursement schedules are ideal targets based on standard processing conditions. Actual timelines remain subject to third-party title clearances, legal verification, independent appraisal reviews, and external banking wire constraints.