Refresh Capital

The Problem We Solve

Homeowners are leaving money on the table.

Homeownership is the primary driver of U.S. wealth — yet most homeowners can't maximize their sale value when it matters most. Three barriers stand in the way.

Expertise

Most homeowners don't know which renovations generate the highest return. Without expert guidance, they over-invest in the wrong places or skip critical upgrades entirely.

Capital

Average pre-sale renovations cost $25,000 — money most sellers don't have liquid. Traditional financing isn't built for the short-term pre-sale window.

Execution

Coordinating contractors, managing timelines, and navigating a renovation while preparing to sell is complex and stressful. Sellers need a trusted partner to handle it.

Portland–Vancouver MSA Market

$13B

Transaction volume, existing homes

4Q23–3Q24 · Source: Zillow

20,813

Existing homes sold annually

$529,740

Median sales price, all homes

$520M

Addressable rehab market

How It Works

Built for every stakeholder.

Refresh Capital creates a structure where homeowners, realtors, and contractors all win. Select your role below.

We evaluate your home

Our team conducts a detailed assessment to identify which renovations will generate the highest return for your specific property and local market.

We secure the financing

Refresh Capital provides the renovation capital, secured by a lien on your home's equity. No out-of-pocket cost for you — repayment comes from sale proceeds.

We manage the renovation

Our trusted contractor network executes a focused refresh — paint, flooring, kitchen updates, landscaping — optimized for maximum market impact.

You sell for more

With a professionally renovated home, you attract more buyers and command a premium price. Our projects historically deliver a 15–25% increase in market value.

Your value proposition

$0 upfront cost

Renovation capital is repaid at closing from sale proceeds.

Expert renovation management

We handle every detail — you focus on your move.

Maximize your net proceeds

Sell faster and for a higher price in a competitive market.

Fully secured & transparent

Every agreement is documented, clear, and legally structured.

Talk to Our Team →

Identify the opportunity

You spot a listing that could command significantly more — if only the seller had the capital for a proper refresh. Refer them to Refresh Capital.

We fund & execute the work

Our team handles everything — funding, contractor coordination, project management. Your client gets a market-ready home without the stress.

List a premium property

You list a beautifully renovated home that shows well, photographs better, and attracts a larger buyer pool — driving a faster, higher-value sale.

Higher commissions, loyal clients

A higher sale price means a larger commission. More importantly, you become the realtor who made it happen — building referral relationships for life.

Why realtors partner with us

Close more listings

Turn "as-is" listings into premium inventory that sells.

Higher sale prices

Strategic renovations increase marketability and final sale value.

Trusted local partner

Vancouver, WA–based team with deep market expertise.

Become a Referral Partner →

Steady, funded project flow

Stop chasing bids and collecting deposits. Refresh Capital brings you pre-approved projects with guaranteed financing in place before work begins.

Clear scope, fast decisions

We provide detailed renovation scopes focused on high-ROI work — paint, LVP flooring, cabinet refacing, landscaping. Decisions happen in days, not weeks.

Execute the work

Your crew delivers the renovation on our defined timeline. We handle the homeowner relationship and project oversight so you can focus on the work.

Get paid reliably

Payments are backed by funded capital, not homeowner cash flow. No chasing invoices — you get paid when milestones are hit.

Why contractors work with us

Pre-funded projects

Capital is secured before you lift a hammer.

Consistent pipeline

Ongoing deal flow as our portfolio grows.

Professional partner

Clean contracts, clear scope, reliable communication.

Apply to Our Contractor Network →

Commercial Bridge Capital

Solving the Net 90 Cash Flow Problem

Large corporate and infrastructure contracts often come with Net 60–90 payment terms — creating a dangerous gap between when your crews work and when you get paid. Refresh Capital provides upfront bridge loans backed by your secured contracts, so you can keep crews moving, take on more work, and stop turning down jobs because of cash flow.

Contract-backed financing

Your executed contract is the collateral — no hard assets required.

Fast deployment

Capital deployed quickly so your schedule doesn't slip.

Scale without limits

Take on larger projects and grow your business without waiting on slow-paying clients.

Discuss Bridge Financing →

Portfolio

Real projects. Real results.

A track record built one property at a time. Each project demonstrates our discipline, execution capability, and commitment to value creation.

$2.4M+

Capital Deployed

45+

Projects Funded

Since 2024

Operating Track Record

Vancouver, WA — Kitchen & Interior Renovation

Single-family residence · Pre-sale interior refresh

Completed

The homeowner needed to modernize a dated kitchen before listing. Refresh Capital funded and managed a full kitchen overhaul — white shaker cabinets, quartz island, LVP flooring, and new lighting — converting a functionally tired space into a market-leading showpiece that drove premium buyer interest from day one.

Before Renovation

After Renovation

Washougal, WA — Interior & Landscaping Transformation

Single-family residence · Interior refresh & grounds renovation

Completed

A stunning A-frame property with significant bones was held back by a neglected exterior. Refresh Capital funded a comprehensive landscaping refresh — hardscaped pathways, fresh mulch, curated plantings, exterior lighting, and porch staging — creating the twilight curb appeal that commands attention online and at the curb.

Before Renovation

After Renovation

Additional case studies added as projects close. Contact us to discuss our current pipeline →

Capital Partners

Structured around integrity and alignment.

Refresh Capital partners with private capital sources across two distinct strategies — funding real-world renovation projects and financing secured commercial receivables — generating measurable, short-duration returns backed by real assets and executed contracts.

Real Asset Security

Residential renovation capital is deployed into specific properties secured by recorded equity liens.

Commercial Receivables Financing

We generate short-duration yield by financing secured Accounts Receivable for commercial infrastructure projects — bridging the Net 90 gap for contractors with executed contracts in hand.

Disciplined Underwriting

Every deployment — whether a renovation lien or a contract-backed bridge loan — is evaluated against strict collateral and return criteria before capital is committed.

Relationship-Driven

We work with capital partners who share our commitment to the community and our long-term vision for the Pacific Northwest market.

Interested in learning more?

We welcome thoughtful conversations with aligned capital partners. If you've been introduced to our team and want to explore how Refresh Capital structures its partnerships, we'd like to hear from you.

Start a Conversation

Nothing on this website constitutes an offer or solicitation to sell securities. Any investment discussion is conducted privately and exclusively with qualified parties.

We build up the community through home renovation partnerships.