Hard Money Lenders in Bentonville, AR | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inBentonville, Arkansas

Fix and flip, DSCR rental and new construction financing for Bentonville 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 Bentonville deal

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

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Bentonville deal right now

Prefilled with a realistic Bentonville deal. Change any number and it reprices on the programs that lend in Arkansas, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Bentonville

Bentonville is Walmart’s hometown, and the company’s new Home Office campus, the vendor offices that follow it, Crystal Bridges and miles of mountain bike trail have turned a small county seat into one of the priciest housing markets in the middle of the country. Most of the housing is new, so the flip stock is the smaller slice of 1960s to 1980s ranches and older homes near downtown.

The Bentonville flip competes with builders. Buyers can walk a new house a few miles west with a warranty and a builder rate buydown, so a renovated ranch has to win on location: walking or biking distance to the square, the trails and the Home Office. Close-in lots also draw teardown buyers, which sets a floor under the land value and raises the price you pay for a dated house. We check whether your house is worth more renovated or as a lot before we size the loan.

What a Bentonville deal looks like on paper

Bentonville example: $360,000 purchase, $75,000 rehab, $575,000 after repair value, 700 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1970s ranch a short ride from the downtown square, sound but dated, with a worn roof, popcorn ceilings, a closed-off kitchen and a single car garage. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$391,500
Cash to close$68,776
Proof of funds to show$107,081
Where the $68,776 goes
  • Down payment (10% of purchase plus rehab)You$43,500
  • Origination (2.13%)Lender$8,319
  • Lender fees (flat)Lender$2,790
  • Broker fee (1%)Broker$3,915
  • Title and closing (estimate at Texas rates)Title$4,270
  • Prepaid interest (15 days)Lender$1,299
  • Property insuranceInsurer$4,133
  • AppraisalAppraiser$550

Interest while you rehab: $2,635 a month on the $316,500 funded at closing, $3,259 once every draw is out. Proof of funds is cash to close plus $18,750 of rehab reserve and $19,555 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Bentonville

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Experienced Investor Rate115% of purchase680+2+ completed flips9.00%0.75%75% of ARV12-24 months7-14 days
First Flip, 10% Down210% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips37.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips45% of purchase660+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
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate and origination are the program floor; two completed projects in the last 36 months preferred.
  2. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. 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.
  3. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. 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.
  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% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Bentonville prices sit right now

Before we price a Bentonville 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 Bentonville median sale price at $490K for the three months ending September 2026, roughly flat on a year earlier, with homes selling in around 44 days, up from 29. Zillow’s average home value for the city is $490,040, up 2.2%. In 72712, which covers downtown and the Home Office area, Redfin’s median is $582K, down 10.4%, with homes selling in about 53 days.

Median sale price (Redfin)$490K
Days on market (Redfin)44
Typical home value (Zillow)$490,040
72712 median sale (Redfin)$582K

Sources: Redfin, Bentonville housing market, Zillow, Bentonville home values, Redfin, 72712 housing market

How a Bentonville file actually gets priced

Benton County appraisers have plenty of new construction sales to work with, and the risk is that they lean on them. We look for renovated resales of older houses close to downtown and argue for those as comps, adjusted for lot size and garage. Days on market stretched this year and the 72712 median dropped compared with last year, so we size the after repair value on closed sales from the last few months, not peak-era ones.

The older ranches here often have original plumbing, aging roofs and drainage problems on lots that were graded before the newer subdivisions went in around them. Hail and spring storms hit Northwest Arkansas regularly, so roof age matters to buyers and insurers. Bentonville’s growth also means permit volume is high, and inspections can stack up, so build that into your timeline. Check whether a short-term rental plan fits the city’s current rules before counting on that exit.

Who buys your finished Bentonville deal

Finished Bentonville houses sell to Walmart and vendor employees, relocating families who want a close-in address, and remote workers who came for the trails. Many of them arrive on relocation packages and move quickly, but they compare everything to new builds, so the finishes have to be current. Price ceilings are set by what a builder is asking for a larger new house a few miles out. Rents are strong enough that a DSCR hold can work, though the higher basis makes the payment test tighter than elsewhere in the state.

What happens after you apply

Apply once and the whole Bentonville 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.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Bentonville

Fix and flip

10%down on a first flip
Rates
from 9.00% at 680+ credit with 2+ completed flips
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Arkansas →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Arkansas →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Arkansas →

Where we lend in Bentonville

We broker deals across the whole Bentonville market. The submarkets investors ask us about most are Downtown and the square (72712), Crystal Bridges and the Walmart Home Office area (72712), Southwest Bentonville (72713), North Bentonville toward Bella Vista (72712) and Centerton edge (72719).

How long does a Bentonville loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Arkansas, and the rate, origination, leverage and cash to close come back side by side. As little as 72 hours on the fastest program, 7-30 days on the others. We stay on title and the lender through funding.

Bentonville hard money FAQ

Do you lend hard money in Bentonville?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Bentonville 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 Arkansas, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Bentonville?
As of October 2026: Experienced Investor Rate (15% down, from 9.00%, 2+ completed flips); 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, 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); Fastest Close (3 days) (10% down, from 11.99%). 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 Bentonville hard money loan close?
As little as 72 hours on the fastest-close program, which has no credit minimum. In Arkansas, once the file is complete, the programs for investors with completed flips close in 7-14 days (10-14 on 5% down with 5+ flips, 21-30 on 7.5% down with 3+ flips) and a first flip on the 10% down program closes 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 Bentonville flip?
The worked example on this page is a $360,000 Bentonville purchase with a $75,000 rehab and a $575,000 after repair value at 700 credit, first flip: $43,500 down (10% of purchase plus rehab) and $68,776 total cash to close, with $107,081 of proof of funds to show the lender. 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 Bentonville?
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 Bentonville fix and flip loan?
One Bentonville program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 9.00%, needs 680+ credit and 2+ completed flips. Depending on the program, 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 Bentonville flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Bentonville 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.
Is a Bentonville flip worth it when new construction is everywhere?
It can be, if location does the work. Renovated houses close to the square, the trails and the Home Office sell to buyers who do not want a long drive from the west side subdivisions. Away from downtown, a dated ranch has to compete directly with builders offering incentives, and the spread gets thin. We look at where your house sits and what new builds nearby are asking before we size the after repair value.
Does the higher price in Bentonville change the loan?
The structure is the same, but the dollars are bigger. A larger purchase and rehab means a larger down payment and more cash for closing and carry, and your proof of funds has to cover it. The loan amount also has to stay inside each program’s limits. We run the full cash to close on your real numbers before you make the offer.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 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.

What to read before you sign a term sheet

Hard money near Bentonville: Fayetteville, Fort Smith, Springfield, Oklahoma City and Tulsa. More Arkansas city guides: Jonesboro and Little Rock. Or see everything we fund in Arkansas.

Ready to fund your Bentonville deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

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