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Comparison

FLYP vs. Curbio, Compass Concierge, Revive & Freemodel

Short answer: Every company in this category fronts the cost of a pre-sale renovation. What separates them is what they take for it — a percentage of your sale price, interest through a lending partner, an exclusive listing agreement, or a margin buried inside a fixed bid. FLYP is the licensed general contractor doing the work, and we carry the deferral ourselves instead of handing you to a lender. You pay for the renovation out of closing. No program fee, no cut of your sale price, and no brokerage strings.

The four ways these companies actually make money

Brands come and go in this category. The four mechanisms below do not. Once you know which one a company is running, you know what question to ask it.

1. A percentage of your sale price

The fee is calculated on what the house sells for, not on what the work cost. It is the most expensive structure in the category, and it gets more expensive the better the renovation performs — you are handing over a slice of the upside you just created.

Revive: a 6% flat program fee, or 3–4% of the final sale price on Sell360.

2. Interest, through a lending partner

The renovation company is not actually carrying your balance. A finance company is, and you are borrowing. That means underwriting, an interest rate, and a repayment date that arrives whether or not your house has sold.

Compass Concierge: 5.99% interest in some markets, 9.99% plus a 2.99% origination fee on expanded funding, loaned by Notable Finance. Curbio now connects sellers to outside financing companies for the same purpose.

3. A margin buried inside the bid

There is no separate fee, which sounds better than it is. The cost of deferring your payment is folded into the price of the work, so you cannot see it, cannot compare it, and cannot negotiate it.

Freemodel states its payment is built into the fixed bid. Most local programs work the same way and publish nothing at all.

4. Your listing

The renovation is the hook; the commission is the business. Access is conditional on signing with their brokerage, or on an agent starting the process for you — which quietly removes your ability to shop the listing side once the work is done.

Compass Concierge requires an exclusive listing agreement with Compass. JCC Concierge in Bellevue starts every project with the listing agent, not the homeowner.

And how FLYP makes money

We are a general contractor, so we make our money the way a general contractor does: on the renovation itself, at a normal contractor margin, disclosed in the estimate you sign. Waiting until closing to get paid is the service, not a separate product with a program fee stacked on top of it. Your full terms, including what happens if the sale runs long, are written into the agreement before you sign anything.

Side by side

Drawn from each company’s own published terms and from public records, verified August 31, 2026. Sources are linked at the bottom of this page.

Scroll sideways to see every column →

How FLYP compares with Curbio, Compass Concierge, Revive, Freemodel and local agent-led renovation concierge programs.
What you are comparingFLYPLicensed GC, paid at closingCurbioNational pay-at-closing renovatorCompass ConciergeBrokerage program, third-party loanRevivePresale platform, percentage feeFreemodelContractor network, paid at escrowLocal agent-led programsRegional concierge and brokerage teams
Out of pocket to start$0. No deposit, no credit pull.$0 if deferred; pay-as-you-go otherwise.$0 up front.$0 up front.$0 up front.$0 up front, typically.
What it costs on top of the renovationNo program fee and no cut of your sale. You pay for the work, at closing.Deferral runs through outside lenders. DC’s AG alleged a 20% undisclosed deferral charge before the 2024 settlement.$500–$750 flat, or 5.99% interest in some markets. Expanded funding: 9.99% plus 2.99% origination.6% program fee — or 3–4% of your final sale price on Sell360.Their margin is inside the fixed bid, not broken out.Not published. Ask before you sign anything.
Is the fee a cut of your sale price or your equity?No. Never a percentage of your sale or your equity.No — cost-based, but financed by a third party.No — but it is a loan, with interest in most markets.Yes. 3–6%, and Sell360’s is a slice of the sale price itself.No — fixed bid.Varies. Get it in writing.
Do you have to use their agent or brokerage?No. FLYP is not a brokerage. Bring your agent, or use one we recommend.Agent-led — projects typically start with the listing agent.Yes. Requires an exclusive listing agreement with Compass.Built and sold as an agent’s listing tool.Agent-oriented funnel.Usually. Their agent fills out the intake form, not you.
Who actually swings the hammerGreen State Restoration — our own licensed general contractor, our own crews.Local contractor network.Vendors you and your agent hire yourselves.Contractor network.A “network of trusted contractor partners” — not employees.Subcontracted, usually.
If the home doesn’t sellNothing out of pocket while it is listed and selling; repayment comes out of closing. Timing terms are in your agreement.The balance comes due; historically a one-year window with a fee to extend.Repayable at 12 months — or the day the listing agreement ends.Costs settle at sale; program terms apply.Due at escrow, inside a one-year window.Varies. Get it in writing.
Warranty on the workBacked by the licensed GC who did it — same company, still here.Varies by project and contractor.Whatever your vendor gives you. Compass is not the contractor.Varies by contractor.One year, and explicitly non-transferable to your buyer.Varies.
What you can see while the job runsA live client portal: daily photos, every document, two-way messages, and video walkthroughs with your PM.App-based project updates.Nothing built in. It is a loan, not a project.Platform dashboard.Digital project log from the project director.Email and text from whoever is running it.
Can you renovate without selling?Yes — stay-and-renovate, paid from a later sale or refinance.No — pre-sale only.No — tied to a Compass listing.No — sale-contingent.No — paid at escrow.No — sale-contingent.

Company by company

These are real companies doing real work, and for some homeowners one of them will be the right answer. Here is what each one publishes, and where we differ.

FLYP vs. Curbio

National pay-at-closing renovator

The biggest name in pre-sale renovation. Curbio takes on the work, defers the bill, and gets paid when the home sells. Projects are agent-led — the listing agent usually starts them.

What they publish
  • Curbio appears to have largely stepped back from carrying the deferral itself. On April 7, 2025 it announced financing partnerships with three transaction lenders — Notable, HouseAmp and Finturf — with CEO Rick Rudman saying that clients interested in financing “ask us for a recommendation, we refer them to our lending partners.”
  • Its own FAQ now says sellers have “the option to pay as they go, just as they would with any general contractor,” with pay-at-closing available through those connected financing resources. If you want a true pay-at-closing deal from Curbio today, confirm in writing who is actually carrying it — Curbio, or a lender.
  • In 2023 the District of Columbia sued Curbio. The Attorney General alleged Curbio “systematically deceived DC homeowners, trapped them in unconscionable contracts, and performed overpriced, substandard work,” charged “an additional 20% in undisclosed interest” for deferred payment, and recorded a deed of trust against the home at signing — before any work had been done.
  • Curbio settled in September 2024 for $7.5 million, including $2.58 million in restitution to 167 DC homeowners, and agreed to stop using deeds of trust and mechanics’ liens, disclose contractor revenue-sharing, and require written change orders.
Where FLYP differs: FLYP is the licensed general contractor doing the work, and we carry the deferral ourselves rather than handing you to a lender. Curbio told the market in April 2025 that clients who want financing get referred to its lending partners.
Sources: DC Attorney General — Curbio $7.5M settlement (Sept 12, 2024) · DC Attorney General — the original complaint · Curbio — How It Works · Curbio — FAQ · Curbio partners with lenders for seller financing (April 7, 2025)

FLYP vs. Compass Concierge

Brokerage program, third-party loan

A brokerage benefit, not a renovation company. Compass fronts the cost of eligible improvements through a lending partner and you repay it out of the sale. The work itself is done by vendors you and your agent line up.

What they publish
  • Available to sellers with an Exclusive Listing Agreement with Compass. You have to list with them to use it.
  • Compass publishes a flat fee of $500 or $750 depending on market, or a 5.99% interest charge in lieu of the fee in some markets. Expanded funding carries 9.99% interest plus a 2.99% origination fee.
  • Funding is capped at $25,000 in most of the country, or $50,000 in California.
  • The balance is repayable at whichever comes first: the home sells, you terminate the listing agreement, Compass terminates it, or 12 months pass.
  • Compass states it is not the lender — Concierge Capital loans are made by Notable Finance, LLC (NMLS #1824748).
Where FLYP differs: FLYP is not a brokerage and does not need your listing. Use your own agent, or one we recommend — there is no funding cap, and nothing comes due because a listing agreement ended.
Sources: Compass — Concierge program page · U.S. News — how brokerage concierge programs work

FLYP vs. Revive

Presale platform, percentage fee

A technology platform that coordinates the renovation, fronts the cost, and charges a percentage on the back end. Sold primarily to agents as a listing tool.

What they publish
  • Revive publishes a flat program fee of 6%, with nothing paid until closing.
  • Their Sell360 product charges “a flat program fee, typically 3–4% of the final sale price,” with improvement costs, holding costs and selling expenses deducted from proceeds at closing.
  • That fee is calculated on your sale price, not on the cost of the work. The better the renovation performs, the more the fee costs you.
Where FLYP differs: FLYP never charges a percentage of your sale price or your equity. You pay for the renovation. Every dollar it adds beyond that is yours.
Sources: Revive — Sell360 terms · Revive — program overview for homeowners and agents

FLYP vs. Freemodel

Contractor network, paid at escrow

A project-director model. Freemodel assigns a director who hires and manages local contractors, hands you a fixed bid, and collects at escrow when the home sells.

What they publish
  • No upfront cost. Renovation costs are due and payable by the homeowner at escrow after the home sells, within a one-year window.
  • Freemodel states its payment is built into the fixed bid — the margin sits inside the number rather than appearing as its own line.
  • Work is performed by a “network of trusted contractor partners,” not Freemodel employees. Project directors manage those contractors.
  • The warranty is one year from completion and is explicitly non-transferable, so it does not follow the home to your buyer.
  • They do not handle additions or ground-up construction.
Where FLYP differs: FLYP’s crews are our crews. When something needs fixing, you are not waiting on a coordinator to chase down a subcontractor who has already moved on to the next job.
Sources: Freemodel — FAQ · Freemodel — for homeowners

FLYP vs. Local agent-led programs

Regional concierge and brokerage teams

Puget Sound has its own versions — JCC Concierge in Bellevue, and design-and-renovate arms attached to brokerage teams such as Lamb & Co. in Snohomish and King County. The offer is real. The catch is almost always the front door.

What they publish
  • JCC Concierge’s process begins with the real estate agent representing the listing filling out the estimate request. There is no direct-to-homeowner path.
  • Lamb & Co.’s renovation arm is built for clients who have already completed a Lamb & Co. design plan, alongside their brokerage, design and retail businesses.
  • Neither publishes a fee structure anywhere on its site.
  • Both are sale-contingent. Neither offers a stay-and-renovate option for an owner who is not selling.
Where FLYP differs: You can start with FLYP yourself, today, without an agent’s permission. And if you would rather renovate and stay put, we do that too.
Sources: JCC Concierge · Lamb & Co. — renovation & remodeling

The part a comparison table cannot show you

Fee structures are easy to compare because they are numbers. The thing that actually decides whether you would do this again is four months of being treated well, or not, by people in your house. That part is harder to put in a column, so here it is in plain words.

The sales experience: an estimate, not a pitch

You get a walkthrough, a line-item scope, and a numbered estimate you can read line by line before anything is signed. No credit pull, no deposit, no obligation. If the numbers do not work for your house, we will tell you that, and we will tell you which of the other three paths — a straight remodel, an as-is cash sale, or just listing it — makes you more money.

We would rather lose a job than talk someone into a renovation their comps will not support.

The client experience: you can watch the whole job

Every FLYP homeowner gets a private client portal. Progress photos as they are taken, every document and signed agreement in one place, two-way messaging with the people on your job, and live video walkthroughs with your project manager when you want to see something yourself. You can upload your own photos and notes back into the project.

Not a weekly email summary. The same project record our own team is working from.

Contractor quality: we are the contractor

FLYP is operated by Green State Restoration, LLC, a licensed Washington general contractor, and we are the general contractor of record on your project. That matters most when something goes wrong — a rot surprise behind a shower pan, a supplier who misses a date. There is one company accountable for the schedule, the scope and the finish, and it is the same company that quoted it.

Veteran owned and operated, working across Seattle, Tacoma, Bellevue, Olympia and the wider Puget Sound.

Customer service: a named human, and a clock on every step

You get a project manager by name and a real phone number, not a support queue. Behind that, every FLYP job runs on our own workflow system: each stage has a target time, tasks age visibly when they sit, and the team sees it before you have to ask. Renovations do not usually fail loudly — they fail by drifting, one quiet week at a time.

The most common complaint in this whole category is a timeline that slipped. We built for that.

Frequently asked questions

Is FLYP cheaper than Curbio, Revive or Freemodel?

The renovation itself is priced like any quality general contractor's work, so compare bids on scope, not on brand. Where FLYP is structurally cheaper is what gets layered on top: no program fee, no percentage of your sale price, and no origination charge. On a $700,000 sale, a 6% program fee is $42,000 — which is a whole kitchen. Ask every company on this page, including us, to put its full cost of deferral in writing before you sign.

Do I have to use a specific real estate agent to work with FLYP?

No. FLYP is not a brokerage and does not act as your listing agent. Bring the agent you already trust. If you do not have one, we will introduce you to agents we have worked with who know how to price a renovated home — but that is a recommendation, not a requirement, and it is not a condition of the renovation.

What happens if my house does not sell after the renovation?

You pay nothing out of pocket while the home is listed and selling — repayment comes out of closing, not your savings. Every program in this category has some outer limit on how long it will wait, and the honest answer is that ours is written into your agreement in plain numbers before you sign. Compass Concierge is repayable at 12 months or the day your listing agreement ends, whichever comes first, and Freemodel is due at escrow inside a one-year window. Ask each company for its exact timing terms in writing, including us.

Will FLYP put a lien or a deed of trust on my home?

The full agreement is given to you to read before you sign anything, and we will walk through every term with you. It is a fair question to ask any company in this category — the District of Columbia sued Curbio in part over deeds of trust recorded against homeowners at signing, before any work had been done, and Curbio agreed to stop the practice as part of its 2024 settlement.

Can I use FLYP if I am not selling?

Yes, and that is unusual here. Curbio, Revive, Freemodel, Compass Concierge and the local Puget Sound programs are all sale-contingent — the renovation exists to produce a listing. FLYP also does stay-and-renovate projects, paid from a later sale or refinance, for owners who want the house fixed and intend to keep living in it.

Why should I trust a comparison written by FLYP?

You should not take our word for any of it. Every number on this page comes from the company's own published terms or from a public record, and each one is linked in the sources below. Read them yourself, then ask each company to put its fee structure in writing before you sign.

Sources, and how to check us

Everything above about another company comes from that company’s own published terms or from a public government record, verified August 31, 2026. Programs change their pricing without announcing it, so confirm current terms directly with any company before you sign — including this one. If you find something here that is out of date, tell us and we will correct it.

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