BCF100 Program
1 Finance Your First Fix & Flip with the BCF 100 Program
Think you need years of experience, excellent credit, or a large down payment to flip your first investment property?
Think again.
At BearCrest Funding, we believe a great investment opportunity should never be overlooked simply because of traditional lending standards.
Our BCF 100 Program is designed to help qualified investors finance the entire purchase price and eligible renovation costs of a fix-and-flip project. Instead of bringing a large down payment, borrowers are generally responsible for closing costs and required liquidity reserves, allowing them to preserve more capital for future opportunities.
Whether you're purchasing your very first investment property or expanding an established portfolio, our goal is to help you close quickly and continue growing your real estate business.
Schedule Your Consultation:
https://bearcrestfunding.com/appointments
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2. Why Investors Choose the BCF 100 Program
• First-time investors are welcome
• Credit is not the primary factor in our review
• Financing focused on the strength of the investment property
• Finance the entire purchase price and eligible renovation costs on qualified projects
• Fast closings
• Streamlined documentation
• Professional rehab draw management
• Foreign National programs available
• Lending available in most states
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3. What Makes the BCF 100 Program Different?
Most lenders focus heavily on credit scores, income, tax returns, and employment history.
We start somewhere different.
We begin with the property.
Our team evaluates each opportunity based on factors such as:
• Purchase price
• Renovation budget
• After Repair Value (ARV)
• Overall strength of the investment
While credit is reviewed, it is not the primary factor in our decision.
Our goal is to help qualified investors obtain financing based on the quality of the investment opportunity rather than relying solely on traditional lending criteria.
For qualified projects, the BCF 100 Program can finance the entire purchase price and eligible renovation costs, while borrowers typically bring only their closing costs and required liquidity reserves.
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4. Why Preserving Your Capital Matters
One of the biggest mistakes new investors make is putting every available dollar into a single project.
Experienced investors understand that keeping capital available creates flexibility.
Maintaining liquidity allows you to prepare for:
• Unexpected renovation expenses
• Future investment opportunities
• Operating reserves
• Business growth
Instead of tying up your available cash in a large down payment, you can preserve more of your capital while still moving forward on qualified investment opportunities.
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5. Could Your Property Qualify?
Every transaction is individually reviewed, but many successful projects share these characteristics:
• 1–4 unit residential property
• Strong After Repair Value (ARV)
• Purchase price and renovation budget that fit program guidelines
• Property located in an eligible market
• Sufficient liquidity for closing costs and required reserves
If you're unsure whether your property qualifies, we'll gladly review it before you spend money on inspections or appraisals.
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6. How the Process Works
1. Submit Your Deal
Send us the property address, purchase price, renovation budget, and your investment goals.
2. Property Review
Our team reviews the property and determines whether it fits the BCF 100 Program guidelines.
3. Receive Your Loan Proposal
We'll provide straightforward financing terms so you know exactly what to expect.
4. Close and Start Renovating
Once title, appraisal, and closing requirements are complete, we work quickly to get you to the closing table.
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7. Who Is the BCF 100 Program Designed For?
• First-time investors
• Experienced fix-and-flip investors
• Real estate entrepreneurs
• Builders
• Foreign National investors
• Investors looking to preserve capital while growing their business
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8. Don't Let Your Credit Score Stop You From Asking
Many investors assume they won't qualify because of their credit score.
Don't make that decision before talking with us.
If you've found a strong investment opportunity, let our team review the property.
You may qualify for financing through the BCF 100 Program that covers the entire purchase price and eligible renovation costs, requiring only your closing costs and required liquidity reserves.
Sometimes the property tells a much stronger story than a credit score.
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9. Ready to Get Started?
Your first investment property doesn't have to be your hardest.
At BearCrest Funding, we help investors turn opportunities into successful projects with financing designed around the strength of the deal—not just traditional lending standards.
Whether you're buying your first fix-and-flip or your fiftieth, we're ready to review your project.
Let's see what your deal qualifies for.
Apply Today:
https://bearcrestfunding.com/Application
Learn More
Fix & Flip Financing
https://bearcrestfunding.com/flip-and-fix-funding
Rental Portfolio Loans
https://bearcrestfunding.com/rental-portfolio-funding
Bridge Loans
https://bearcrestfunding.com/small-business-funding-products-1
Frequently Asked Questions