Great Remodel, Refinance, and Building Loan Programs.


About our Loan Programs

Renovo finances for-sale remodel and new-construction projects.  We also refinance completed projects waiting to sell to free up your cash and allow you to move onto new projects.  We will finance up to 80% of the purchase price and direct improvement costs or 65% of our estimate of the completed value of a project, whichever amount is less.  All loans have a 2.0% origination fee and a 10.0% annual interest rate; our minimum loan amount is $80,000.  Some loans may also have a deferred origination fee depending on the loan-to-value.  The LTV is based on your budgeted costs and our estimate of the completed value.  The origination fee is due at the closing of the loan, but interest and the deferred origination fee are not payable until the due date of the loan helping to align the financing cash-flow with the project’s cash flow.  All loans are closed through a title company of your choice and require a lender’s title policy with mechanic’s lien coverage.

For new clients, we can typically complete the underwriting for a new client within five business days of receiving a completed application.  After you have been approved we can typically close loans within 48 hours of receiving your proposal for a new project.  Please contact us and we can provide you with more information about our process as well as an application.

New-Construction Loans

We work with you for new-construction loans to estimate the construction budget and to estimate the sales price.

Refinance Loans

While you are waiting for your project to sell, Renovo Captial can provide cash-out refinances on completed projects.

Remodel Loans

Renovo Capital works with you to determine the remodel budget of your next project and conducts their own analysis of comparable properties to estimate the sales price.

Still have more questions? Check out our Frequently Asked Questions page or reach out to us at 952-300-8462, email us at, or fill out our easy contact us form!



In our application process we focus on the individuals we are underwriting. We believe you are the biggest asset of your business so our application process is geared toward getting to know you and understanding your experience and qualifications.

After the initial application has been approved we will still look at the merits of each project to determine whether or not we believe it is suitable for all parties involved.

If you are interested in applying with Renovo please contact us for an application. In our application we focus on the following areas:

Background Checks

We run background checks on the principals of the company . We are primarily concerned with judgements, tax liens, or a criminal history in this part of our due diligence.

Past Projects

We believe the construction component of this business is the most challenging so we will look at a couple of past projects to make sure you and your team have the experience needed to complete such projects within budget and in a timely manner.


We talk with subcontractors, realtors, investors, and vendors you have worked with to get a better understanding of how you work with others and run your projects.

Financial Statements

We review the financial statements of the entity and the guarantor(s).  We are looking to ensure you have been able to profitably complete similar projects in the past and have the means to make the down payments necessary to close on transactions.

 Interested in Applying? Click here to contact us today!