Hard Money Lenders in Green Bay, WI | Fix & Flip Loans | Capital Kings LLC
Broker, not a lender

Hard Money Lenders inGreen Bay, Wisconsin

Fix and flip, DSCR rental and new construction financing for Green Bay investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Green Bay deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
5-14
Days to fund, typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Wisconsin
Run the numbers

Price a Green Bay deal right now

Prefilled with a realistic Green Bay deal. Change any number and it reprices instantly on the lanes licensed in Wisconsin, using the same engine behind our term sheets.

Enter your numbers to see the program, loan size and cash to close.
Get a real term sheet →Same math as our term sheet. No credit pull, nothing saved.
The market

Financing a deal in Green Bay

Green Bay runs on paper mills, trucking, health care and, of course, football. The housing is practical: post war ranches, 1920s two-stories near downtown and plenty of 1960s and 70s split levels on the edges. Homes here sell with several offers in a normal month, so a clean flip moves. A first deal tends to be a dated ranch that needs a kitchen, a bath and a mechanical refresh.

Green Bay is one of the few Wisconsin cities where prices dipped slightly over the past year while sales volume jumped. That tells us buyers are active but price sensitive. We set the ARV off what sold in the last few months, not last year’s peak, and we keep the finish level aimed at the first-time buyer instead of the luxury buyer.

A real term sheet

What a Green Bay deal looks like on paper

Green Bay example: $170,000 purchase, $45,000 rehab, $300,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. For instance a 1950s ranch on the west side in 54303, three bedrooms, a basement with old paneling, and a roof, windows and kitchen past their life. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$189,500
Cash to close$38,093
Proof of funds to show$60,585
Where the $38,093 goes
  • Down payment (15% of the purchase)You$25,500
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,272
  • Prepaid interest (15 days)Lender$739
  • Property insuranceInsurer$2,043
  • AppraisalAppraiser$550

Interest while you rehab: $1,143 a month on the $144,500 funded at closing, $1,499 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $8,992 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Programs

What we can fund in Green Bay

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110%660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5%660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 3+ Flips35%600+3+ completed flips12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips45%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

What we check first

Where Green Bay prices sit right now

Before we price a Green Bay flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Green Bay median sale price at $285K for the three months ending September 2026, down 1.4% from a year earlier. Homes sold in around 42 days on average, unchanged from last year.

Median sale price (Redfin, 3 months to Sep 2026)$285K
Change year over year-1.4%
Days on market (Redfin)42

Sources: Redfin, Green Bay housing market

Underwriting

How a Green Bay file actually gets priced

Brown County appraisers split the city at the Fox River. West side ranches, east side older homes and the newer subdivisions near the edges each comp separately. We match square footage, basement finish and garage count, because an attached garage carries real weight in a northern winter market. Allouez, De Pere, Howard and Ashwaubenon are separate municipalities, so we confirm the address before pulling comps.

The Fox River and the East River are the flood lines, and low streets near the bay can see high water when strong winds push it inland. Basements are standard, and many have block walls that bow or leak in the spring melt. Frost depth matters for any new footing, deck or addition. Building permits come from the city’s inspection office, and houses near downtown often carry lead paint.

The exit

Who buys your finished Green Bay deal

Finished Green Bay homes sell to people working in health systems, trucking and logistics, manufacturing and the paper industry, often on FHA or USDA financing at the outer edges. Many are first-time buyers stepping up from rentals. Keep the price inside what recent comps support and the house should move. Rents here also carry a DSCR refinance on a lot of single family homes.

After you apply

Your whole loan, in one portal

Apply once and the whole Green Bay loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.
What happens after you apply →Tour the borrower portal
Loan products

What we fund in Green Bay

Fix & Flip

Purchase plus 100% of rehab, released in draws. The core product in Green Bay.

15% down from 8.99% at 700+ credit · 10% down from 9.99% at 660+ credit

DSCR Rental

Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.

30-year · no income docs

New Construction

Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.

Land + build financing
Coverage

Where we lend in Green Bay

We broker deals across the whole Green Bay market. These are the submarkets investors ask us about most:

West side and Fort Howard (54303)Astor and Downtown East (54301)Preble and Danz (54302)Lambeau and Southwest (54304)Eastside and University area (54311)Northwest (54313)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.

02

We shop it

Your scenario goes to the lenders in our network that actually fit it and are licensed in Wisconsin, not all 400 at once.

03

Real terms back

Rate, origination, leverage and cash to close side by side, so you can compare on total cost.

04

Close

5-14 days to fund. We stay on title and the lender through funding.

Questions

Green Bay hard money FAQ

Do you lend hard money in Green Bay?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Green Bay scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Wisconsin, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Green Bay?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 3+ Flips (5% down, from 12.00%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Green Bay hard money loan close?
Most Green Bay fix and flip files fund in 5-14 days once the file is complete. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Green Bay flip?
The worked example on this page is a $170,000 Green Bay purchase with a $45,000 rehab and a $300,000 after repair value at 730 credit, first flip: $25,500 down (15% of the purchase) and $38,093 total cash to close, with $60,585 of proof of funds to show the lender. The lowest down payment for a first flip in Green Bay is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Green Bay?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Green Bay fix and flip loan?
The lowest credit floor among the Green Bay programs is 600, on 5% down with 3+ completed flips. A first flip needs 660 or higher. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Green Bay flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Green Bay flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Does it matter if a Green Bay house is actually in Allouez or Ashwaubenon?
Yes. Those suburbs are separate villages with their own assessors, permits and tax rates, and buyers price them differently than the city. A Green Bay mailing address does not always mean the City of Green Bay. We check the municipality on the tax bill before we comp the house.
What does a typical first flip in Green Bay look like?
A post war ranch or a 1920s two-story with a basement, three bedrooms and dated everything. The common scope is kitchen, bath, flooring, paint and often a roof or furnace. In Wisconsin a first flip can be priced at 15% down with 700+ credit (from 8.99%) or 10% down with 660+ credit (from 9.99%).
Who you are working with
Micah Foster
Founder & CEO
Micah Foster
Micah brokers Non-QM and hard money loans for real estate investors across 37 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.
Send Micah your Green Bay deal →
Keep reading

Before you sign anything

Draws
How construction draws and the rehab holdback actually work
Read article →
Loan Cost
Dutch vs standard interest: what it really costs you
Read article →
Cash Needed
Cash to close on a flip: the number most investors miss
Read article →
Term Sheet
How to get an instant hard money term sheet
Read article →
Hard money in Appleton →Hard money in Milwaukee →Hard money in Madison →All Wisconsin coverage →

Ready to fund your Green Bay deal?

Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.

Start application →Get a pre-approval letter