Get approved in minutes. Call 559-389-7101.
SPECIAL OFFER for SPRING 2026 (Ends March 31, 2026)
Fix-&-Flip Loans
With 0 Points
#1 Source for Fix-&-Flip Loans in Central CA
No Appraisal | 9.99% Rate | 96.5% LTC | Close in 7 Days
Get approved in minutes. Call 559-389-7101.
#1 Source for Fix-&-Flip Loans in Central California
SPECIAL OFFER for SPRING 2026 (Ends March 31, 2026)
Fix-&-Flip Loans
With 0 Points
No Appraisal | 9.99% Rate | 96.5% LTC | Close in 7 Days
FIX & FLIP / BRIDGE
$0 origination (ZERO points).
Fund up to 96.5% of total loan (just 3.5% down).
Guaranteed rate of just 9.99%.
No appraisals or bank statements required.
Close in as little as 7 days.
Our flexible fix and flip loans let you move fast. Close in 7 days with no bank statements, tax returns, appraisals, or red tape. In-house servicing + 24-hour draws.
DSCR / RENTAL
Qualify based on cash flow, not your W2.
Fund up to 75% of value.
Purchase and refinance options.
$100,000–$3,000,000 loan size.
Build your portfolio with a trusted partner.
Our DSCR loans make it easy to scale rentals. Get up to 75% of value for purchases or refinances, with loan sizes from $100K to $3M. Qualify based on cash flow.
GROUND UP
Up to 80% loan-to-cost (LTC).
Fund up to 70% stabilized value.
18 month term, interest-only.
$100,000–$1,500,000 loan size.
Single-family (1-4 unit) builds.
Our ground-up construction loans help you move from dirt to keys with a clean, investor-friendly structure. Get up to 80% loan-to-cost with 18-month terms.
Recently Funded Deals
$262,900
Clovis, CA
$248,900
Fresno, CA
$1,101,200
San Diego, CA
$1,295,000
Laguna Niguel, CA
$700,000
Merced, CA
$482,400
Clovis, CA
What Others Are Saying
"Huge help."
Only company I’ll do business with. Huge help from day one. Definitely recommend ZINC for all your fix and flips!
- Omar D.
"Fast and reliable."
100% recommended. Communication is excellent. I was updated every step of the way. Fast and reliable for sure!
- Patricia O.
"Highly recommended."
I highly recommend ZINC Financial for rehabbers and fix and flip. Terms are competitive and staff is GREAT!
- Cliff G.
"Super responsive."
Super responsive and easy to work with. Not very often that the financing becomes the smoothest part of a deal!
- Estevan B.
How it Works
Fund your next deal in 3 steps.
Send the Address
Just fill out the short form on this page—that’s all it takes. Drop in the property address and a few details, and our team will reach out and get your funding started. No complicated back-and-forth. No stacks of paperwork. Click the button below to begin.
Easy Approval
No appraisal required. No bank statements needed. No tax returns or excessive loan docs or other hoops to jump through. We'll do a quick credit check and verify your identity, review the property, and get your funds ready. That's pretty much it!
Fund in 7 Days
We control a $50M balance-sheet account with our own capital. When you're ready to close, we wire the funds directly. No middlemen. No capital markets delay. We push the "green button" and your deal closes fast. It's that simple.
Ready to Get Started?
What's better than hard money?
Private money, on autopilot.
You don't need a network of "rich friends." You don't have to spend months reaching out to JV partners who might flake at the last minute if a "better deal" comes along. And you don't have to pay exorbitant rates and points for hard money. There's a better way... private money through ZINC Financial.
Loan terms that work.
Up to 96.5% LTC (3.5% down).
With ZINC, you can fund up to 96.5% of your total loan amount, including rehab costs. Just 3.5% down on your total loan! Enjoy lower out-of-pocket, bigger leverage, and more deals at once. 9-month loan terms with extension options, easy rehab draws, in-house servicing, and a local on-site team who's there for you every step of the way, from application to close and beyond.
We've done 450+ of our own flips.
Expertise you can count on.
ZINC is not just a capital partner. We're also one of the largest fix-and-flip operators in California, with 7 active rehab crews and more than 450+ flips completed ourselves. We know the market. We know renovations. We know how to analyze a deal and fine-tune the terms to make it a success.
Fund in 7 days with Fast-Pass Processing.
The easiest way to close deals.
No appraisals, no bank statements, no tax returns, no hassles. ZINC was created by real estate investors for real estate investors... which is why it's so easy to scale your real estate investing operation and close more deals with ZINC in your corner. Skip the stress. Fund with ZINC.
Where We Lend
The ZINC Community
ZINC Financial is a regional lender with deep roots in the Central Valley of California. We lend everywhere in California, but our best rates and terms are available right here in the heartland of the state. We know these local markets better than anyone else. This is our home turf—where we’ve lived, worked, and invested for decades. Our team has deep firsthand knowledge of the neighborhoods, pricing trends, rental demand, and value-add opportunities here, which is why we're able to be so aggressive with our capital.
Fresno County
Madera County
Tulare County
Kern County
Kings County
Santa Clara County
San Luis Obispo County
Merced County
Stanislaus County
Sacramento County
San Joaquin County
Central California's premier real estate private lender for nearly 20 years. Deals funded in 7 days. No red tape. Click below to start.
Meet the Founder
Todd Pigott
CEO, ZINC Financial
From $17 Dollars in the Bank to $1 Billion in Deals Funded
Todd Pigott started with just $17 cash in his pocket, cleaning buildings while attending Fresno State University and earning a degree in Construction Management. Over the next two decades, he built one of California’s largest facility maintenance companies, employing over 400 people.
At the same time, Todd was quietly acquiring and rehabbing commercial, industrial, and multifamily properties—eventually focusing on single-family homes.
In 2006, Todd founded ZINC Financial, a private real estate lending company that has funded over $1 billion in loans.
Todd and his team have flipped more than 450 homes and provided financing solutions for thousands of investors. Todd's mission is to ho help investors succeed and scale by giving them access to capital the same way the big players get it.
Todd Pigott
CEO, ZINC Financial
Which Option is Right for You?
Conventional
30-60 days to close, with frequent delays.
Lowest rates... but only if you qualify.
Endless paperwork, doc requirements, and hassles.
Not designed for flipping or investing.
Won't lend on distressed properties.
Cash
Instant funding... if you have the money.
Ties up all your capital in one deal, with no leverage.
No paperwork or hoops to jump through.
Difficult to scale your business or do multiple deals at a time.
Only works if you have deep pockets.
Private Money (ZINC)
Fund your deal in 7 days with "Fast Pass" processing.
Lower rates than hard money, with no hidden junk fees.
No bank statements, no appraisals, no tax returns.
Fund up to 96.5% LTC, with just 3.5% down.
Built for flips, by investors who've done 450+ deals.
Backed by $50M balance sheet of capital we control.
Hard Money
3-4 weeks or more to fund your deal.
Expensive, with high points and high rates.
Appraisals and stacks of docs required.
Funds could be revoked at the last minute.
Brokers and middlemen add to costs and slow you down.
Private Money (ZINC)
Fund your deal in 7 days with "Fast Pass" processing.
Lower rates than hard money, with no hidden junk fees.
No bank statements, no appraisals, no tax returns.
Fund up to 96.5% LTC, with just 3.5% down.
Built for flips, by investors who've done 450+ deals.
Backed by $50M balance sheet of capital we control.
The bottom line is...
ZINC Financial has the funding you need, when you need it.
ZINC Financial is a direct, balance-sheet private lender specializing in fix-and-flip loans and bridge loans for real estate investors in California. Unlike hard money lenders, we don’t rely on capital markets or outside brokers—we control a $50 million pool of private funds in our own bank account. That means faster approvals, lower costs, and flexible terms.
With 96.5% LTC financing, our Fast Pass Process allows you to close in as little as 7 days—no appraisals, no bank statements, no tax returns, and no endless paperwork. Used by more than 500 real estate investors, with over $1 BILLION in deals funded. We've done over 450 successful flips ourselves and have 15+ projects always in progress, so you can rest assured we understand the challenges and opportunities of real estate investing because we’re operators ourselves.
Whether you need a short-term bridge loan to secure your next property or reliable capital to renovate and flip, ZINC gives you the speed of cash without the cost and hassle of hard money. Ready to scale your real estate investing business, grow your portfolio, and build wealth? Partner with ZINC.
Disclaimer
Our financing programs are intended solely for real estate investment and business purposes. We do not offer payday loans, personal loans, or consumer lending of any kind. All loans are secured by real estate and structured with repayment terms greater than 60 days. Rates, fees, and terms vary by project and borrower qualifications. Please review all terms carefully and consult with your own advisors before proceeding. This is not a commitment to lend; all financing is subject to approval.
Copyright ZINC Financial, 2025