Every question deserves an honest answer.

Getting started is simple. Submit your deal directly through our online form, or reach out by phone or email to start the conversation. From there, our team will walk you through the next steps and help you find the most fitting program for your project.

Qualification is based on more than a credit score — we look at the full picture, including your experience, your strategy, and the property itself. There's no single rigid requirement, which means more investors and builders qualify than they might expect. The best way to find out is to submit your deal directly, or reach out by phone or email to start the conversation.

We currently lend in 40+ states and are always working to add more as we grow. Contact us to confirm availability in your state. 

Three terms come up often when evaluating a deal: LTV, ARV, and LTC.

LTV (Loan-to-Value) is the percentage a lender is willing to finance against the purchase price or as-is value — typically whichever is lower, with the difference covered by the borrower at closing.

ARV (After Repair Value) estimates what a property will be worth once the planned work is complete. Lenders use this, often confirmed through an appraisal and underwriting review, to determine the maximum loan amount — generally up to 75% of ARV, accounting for the LTV, renovation costs, and other associated expenses.

LTC (Loan-to-Cost) compares the total loan amount to the total cost paid by the borrower at closing, helping ensure there's meaningful equity in the project from day one. This figure varies by lender.

Together, these three thresholds shape how we structure most loans — with the specifics always tailored to your deal.

Higher leverages mean less cash required at closing — which means more capital available for your next project. For investors managing multiple deals at once, that difference can meaningfully accelerate how quickly you're able to scale.

Above Par Capital uses a fully virtual draw process — no physical inspections required. Once a phase of work is complete, borrowers submit documentation digitally and funds are released efficiently, keeping your project moving without unnecessary delays. We offer two types of draws depending on the program — Advanced Draws and Reimbursement Draws — each designed to give borrowers the flexibility they need at every stage of the project.

When it comes to your renovation budget, we structure draws in one of two ways: Reimbursement Draws or Advanced Draws.

Reimbursement Draws require completing a phase of work using your own funds first, then requesting reimbursement once it's done — repeating the process phase by phase.

Advanced Draws work in reverse: we front the funds for the next phase of work before it begins, so you're not the one carrying the upfront cost.

We offer Advanced Draws because we believe in keeping your capital working for you, not sitting in the project ahead of time.

We can fund in as little as two business days once we have a complete file in hand. Every deal moves at its own pace, but our process is built for speed — and many borrowers see funding in a matter of weeks, not months.