Short-term purchase + rehab bridge loans for investors flipping properties in Illinois. Rates 9.5–12%, up to 100% loan-to-cost for premier borrowers, and 100% of your rehab budget financed via draws. Close in as little as 72 hours with clear title. SLA Capital has closed deals across every Illinois metro.
SLA Capital — a Sir Lends A Lot LLC Company
A Fix and Flip loan is short-term bridge financing used to purchase and rehabilitate a distressed property before selling or refinancing it. Loan size is anchored to the property's after-repair value (ARV) — not its current condition — so investors can finance both the acquisition and the renovation on a single loan. Rehab dollars are disbursed via draws as work is completed and inspected.
Illinois is a two-market state for investors: Chicago metro depth for scale and long-term hold value, plus Rockford / Peoria / Springfield secondary markets for pure cash-flow yield. Deep SFR inventory across the state supports every strategy.
Cook County and suburban Chicago (Lake, DuPage, Will, Kane counties) offer deep SFR + small-multi inventory with real cash-flow at the right basis.
Champaign-Urbana (Illinois), Bloomington-Normal (State Farm + ISU), and Peoria (Caterpillar) anchor stable rental demand outside Chicago.
Rockford, Peoria, and Springfield offer some of the highest cash-on-cash yields in the Midwest — attractive for portfolio investors focused on income vs. appreciation.
Whether you're closing a single-asset SFR in a smaller Illinois market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Cook County + suburban Chicago (Lake, DuPage, Will counties)
Winnebago County — Northern Illinois SFR
Peoria County — Central Illinois + Caterpillar demand
Sangamon County — state capital
University of Illinois market
State Farm HQ + ISU market
Rock Island, Moline — cross-river metro with Iowa
Statewide coverage — send us any Illinois property
Same nationwide program, no state-specific surcharges.
Close in as little as 72 hours with clear title. The fastest funding in the field when your deal needs to move.
Points range 1–4. Transparent up-front pricing — no bait-and-switch, no surprise fees at the closing table.
Premier repeat borrowers qualify for up to 100% loan-to-cost. First-timers welcome — LTC scales with experience.
Full rehab budget financed and disbursed via draws after inspection. Photos + invoices approve same-day through our platform.
Choose the term that fits your project. Extensions available on active deals.
Loans from $55,000 up to $3,000,000. From cosmetic flips to full gut jobs across Illinois.
Yes. SLA Capital funds Fix & Flip bridge loans throughout Illinois — Chicago Metro, Rockford, Peoria, Springfield, Champaign–Urbana, and every other IL metro. Rates 9.5–12%, up to 100% LTC for premier borrowers.
As little as 72 hours from application to funding when the title is clear and the file is complete. Average close across all Illinois Fix & Flip loans is 7–10 days.
SLA Capital finances 100% of rehab costs on Illinois Fix & Flip loans. Funds are disbursed via draws after inspection of completed work. Photo-and-invoice draw requests run through our platform for same-day approvals.
Every Illinois metro. High-volume markets: Chicago Metro, Rockford, Peoria, Springfield, Champaign–Urbana. Secondary markets welcome — send us any Illinois property.
Illinois is a two-market state for investors: Chicago metro depth for scale and long-term hold value, plus Rockford / Peoria / Springfield secondary markets for pure cash-flow yield. Deep SFR inventory across the state supports every strategy.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Illinois investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Ground-up construction loans for Illinois builders. 85% land + 85% build. $100K–$7.5M.