Fix & flip · Private money lending · Utah
Funding for the fixer-upper, at the speed of your deal.
Utah Private Funding, LLC makes short-term, asset-based loans to investors buying, renovating and reselling Utah real estate — including the distressed property a bank will not touch.
- 1 business day
- Typical response time
- Next-day
- Closing and funding
- Utah-focused
- Local market knowledge
What we do
Short-term, investment loans built for property that needs work
Most of our borrowers are buying a house to rehab and resell, and that is the lending we know best. We also make non-consumer loans to purchase, refinance or improve the rest of these asset types.
Single-Family & Fixer-Uppers
LTV up to 75%
Multi-Family Dwellings
LTV up to 70%
Commercial Buildings & Lots
LTV up to 60%
Developed Lots
LTV up to 65%
Raw Land
LTV up to 50%
Something unusual?
Every deal is different. Send it over and we'll give you a straight answer.
Who we are
Easy to work with, and no desire to take advantage
The primary criterion for our loan decision is the value of the real estate collateral — not a stack of paperwork. We are a small, local team that answers the phone, understands Utah property, and closes what we commit to.
If the situation is not win-win, we back away. That standard has kept our borrowers coming back deal after deal.
Speed
Decisions in days, not months. With title and insurance in place, next-day funding is common.
Flexibility
Terms built around the deal and the collateral — including properties a bank would call unfinanceable — instead of a rigid checklist.
Integrity
If the situation isn't win-win, we back away. No games, no hidden fees, no pressure.
Simplicity
One short application, a real conversation, and a clear answer you can plan around.
How it works
From offer to finished flip
Four steps, no committees. Most borrowers go from first email to funded in a matter of days.
- 1
Send us the deal
The address, what you are paying or already owe, your repair budget and your estimated after-repair value. That is most of the application.
- 2
We value the collateral
Our decision rests on the property — what it is worth as-is and once the work is finished — not on a stack of paperwork.
- 3
Close and start work
With a title report and evidence of casualty insurance in place, next-day closing and funding is common.
- 4
Sell or refinance
These loans are short-term by design. When the rehab is done you exit by reselling the property or refinancing into longer-term financing.
Application
It only takes a few minutes to see if we're the right fit
Tell us about the property and the loan you need. Usually you'll hear back from us within one business day.
Apply hereFAQs
Frequently asked questions
Contact
Let's talk about your deal
Questions before you apply? Reach out and we'll point you in the right direction.