FOLSOM, CA / ACCESS Newswire / August 11, 2026 / Silverback Capital, a leading private money lender serving California and Western states, today announced the launch of its groundbreaking 100% Fix & Flip Financing Program – a first-of-its-kind loan product that eliminates the need for investor down payments on fix-and-flip projects.

The new program allows real estate investors to finance 100% of the purchase price AND 100% of the rehab costs on qualifying fix-and-flip properties, with rates starting as low as 8.49%. Unlike traditional hard money lenders that typically require 10-25% down, Silverback Capital’s program is designed for serious investors who want to maximize leverage and preserve capital for additional deals.

“Most private lenders talk about speed and flexibility, but they still ask investors to bring 15-25% to the table,” said a Silverback Capital spokesperson. “Our 100% Fix & Flip program is a true game-changer – it lets investors do more deals with less of their own money tied up. That’s the kind of innovation the private lending industry has been waiting for.”

Key features of the 100% Fix & Flip Financing Program include:

  • 100% of purchase price financed – no down payment required on qualifying deals

  • 100% of rehab costs covered – draw schedule managed in-house

  • Rates as low as 8.49%

  • Loans funded in as few as 7 days

  • No plans or permits required to fund construction loans

  • Non-Dutch interest structure – borrowers only pay interest on funds drawn, not the full loan amount

  • Direct access to your processor – no call centers, no layers

  • Available across California and Western states

The program is part of Silverback Capital’s broader loan portfolio, which includes Fix & Flip loans, Ground-Up Construction loans, DSCR Rental loans (rates as low as 5.39%), Bridge loans, Cash-Out Refinance, Multi-Family, Commercial Hard Money (loans up to $25M), and ADU financing.

Silverback Capital has positioned itself as a relationship-driven alternative to institutional private lenders. The company operates as a correspondent lender, offering commission protection for brokers and direct processor access for borrowers – two differentiators that have fueled rapid growth in the competitive Sacramento and Bay Area markets.

“Our model is simple: speed, transparency, and direct access,” the spokesperson added. “When a borrower calls Silverback Capital, they speak to their processor – not a 1-800 number. When a broker submits a deal, they know exactly where it stands. That level of service is rare in this industry, and it’s why brokers and investors keep coming back.”

The company also announced the launch of its Broker Network Program, which provides mortgage brokers and loan originators with commission paid at closing from loan proceeds, a dedicated broker portal, training academy, and a free eBook – “How to Originate More Loans” – designed to help brokers scale their private lending business.

Brokers interested in partnering with Silverback Capital can sign up at silverback-capital.com/partner-with-us and gain instant access to lender guidelines, training modules, and the broker eBook.

Investors can get pre-qualified in minutes at silverback-capital.com/get-pre-qualified or call (916) 538-3379 to speak directly with a loan processor.

About Silverback Capital

Silverback Capital is a private money lender headquartered at 301 Natoma St., Folsom, CA 95630, specializing in fix-and-flip financing, ground-up construction loans, DSCR rental loans, bridge loans, and commercial hard money loans. The company serves real estate investors and mortgage brokers across California and Western states, offering fast closings, direct processor access, and innovative loan products including its flagship 100% Fix & Flip Financing Program. For more information, visit silverback-capital.com.

Media Contact

Silverback Capital
301 Natoma St., Folsom, CA 95630
Phone: (916) 538-3379
Website: silverback-capital.com
Email: dave@silverback-capital.com

SOURCE: Silverback Capital

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