Borrow Money to Build Your Future

Joist offers asset-backed loans for fix and flip real estate

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Real estate software

A modern approach to real estate rehab & development financing

Joist was built to simplify the process of securing hard money loans. We utilize technology to assess risk, underwrite loans, and distribute funds within a matter of days, not weeks. Our process enables doers to start doing without needing to worry about if and when they will get money for their fix and flip real estate projects.

A process designed to simplify your work

Our 3-step journey ensures that you secure project financing with ease. No more uncessary convesations between brokers, borrowers, and lenders.

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Provide details about your real estate project, business, and requirments.


Submit your financial statements, repair estimates, and tax returns.


Connect your bank to recieve an ACH deposit within 3-5 days.

A partner until the end

Joist offers an all-in-one borrower experience to monitor your loan applications and payments. We combined the various tools needed to secure fix and flip real estate financing so that you have a 360-degree view of your money throughout the lifetime of your rehab or development project.

Joist guided me through their lending process which gave me confidence in their ability to fund my project.
Vlad Bohema
Real Estate Developer
Joist makes fix & flip funding easy. They are responsive, quick, and reliable.
Jessica Robbins
Real Estate Rehabber
Frequently Asked Questions

Who qualifies for a Joist loan?

Anyone with assets qualify for a loan from Joist. We use your credit score, work experience, and loan requirments to underwrite an optimal loan for your project. Our main requirment is that you have assets to utilize as collatoral for the money you borrow.

Do I need a broker?

No. We desgined our process to fit the needs of both borrowers and brokers. Anyone can apply for a loan whether you are borrowing for yourself or on behalf of someone else.

How long will the application process take?

We try our hardest to finance your fix and flip real estate project within 10 days from the date that you apply for a loan, if approved.

How can I spend money from Joist?

Your loans can be spent on anything related to the project that you applied with.

What happens after I borrow money from Joist?

Your payments begin one month from the day that you were approved. Make sure to pay monthly principal + interest installments each month to avoid late fees.

Build your future with Joist.
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