Short-term purchase + rehab bridge loans for investors flipping properties in New Jersey. 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 New Jersey 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.
New Jersey feeds two Fortune-500 metros (NYC + Philadelphia) with commuter-belt rentals. Central Jersey pharma anchors long-term stability. Shore corridors add STR income flexibility.
New Jersey is uniquely positioned between two of the largest US metros. Bergen, Hudson, Essex counties feed NYC; Camden and Cherry Hill feed Philadelphia. Deep dual-market rental demand.
Central New Jersey hosts one of the deepest pharma employer bases in the world (Merck, J&J, Bristol Myers). Northern New Jersey adds finance and tech. Stable long-term employment.
The Jersey Shore hosts one of the most active summer STR markets in the country. Our DSCR program supports STR income where zoning permits.
Whether you're closing a single-asset SFR in a smaller New Jersey market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Essex + Hudson counties — NYC-metro premium LTR
Hackensack, Fort Lee, Paramus — NYC commuter belt
New Brunswick, Edison, Woodbridge — pharma + Rutgers
Red Bank, Freehold, Long Branch — shore corridor
Mercer County — state capital + Princeton
Philly-metro South Jersey commuter belt
Coastal STR + LTR corridors
Statewide coverage — send us any New Jersey 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 New Jersey.
Yes. SLA Capital funds Fix & Flip bridge loans throughout New Jersey — Newark & Jersey City, Bergen County, Middlesex County, Monmouth County, Trenton & Princeton, and every other NJ 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 New Jersey Fix & Flip loans is 7–10 days.
SLA Capital finances 100% of rehab costs on New Jersey 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 New Jersey metro. High-volume markets: Newark & Jersey City, Bergen County, Middlesex County, Monmouth County, Trenton & Princeton. Secondary markets welcome — send us any New Jersey property.
New Jersey feeds two Fortune-500 metros (NYC + Philadelphia) with commuter-belt rentals. Central Jersey pharma anchors long-term stability. Shore corridors add STR income flexibility.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for New Jersey investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Ground-up construction loans for New Jersey builders. 85% land + 85% build. $100K–$7.5M.