Gap Funding
Flexible capital to complete the capital stack and keep your transaction moving. Cover short-term funding needs between existing financing and the capital required to acquire, complete, or stabilize your investment.
Loan Snapshot
Rates
From 17.99%
Loan Amount
Up to $500,000
Leverage
Up to 50% of Collateral Value
Term
Up to 6 Months
What These Loans Are For
Built for investors who need flexible, short-term capital to fill a defined funding gap and keep a transaction or project moving.
Capital Shortfalls
Fill a defined funding shortfall when additional capital is needed to keep a transaction or investment moving forward.
Acquisition Gaps
Provide supplemental capital when existing financing and available equity do not cover the funds required to complete a purchase.
Project Completion
Access additional capital to complete renovations or other remaining project costs before the next exit event.
Short-Term Liquidity
Address a temporary liquidity need when a defined repayment source or capital event is expected within a short time frame.
Borrower Requirements
Designed for experienced investors with sufficient collateral, a defined capital need, and a clear path to repayment.
Investment Experience
Real estate investment or property management experience relevant to the proposed transaction.
Sufficient Collateral
Identifiable collateral with sufficient value to support the requested financing structure.
Defined Capital Need
A clearly identified funding shortfall and specific use for the additional capital being requested.
Repayment Strategy
A defined path to repayment through a property sale, refinance, capital event, or other clear source.
How Funding Works
A streamlined lending process designed for fast decisions and efficient closings.
Submit Your Request
Share your funding need, proposed use of proceeds, available collateral, and repayment strategy through our online loan application.
Review & Terms
We review the capital need, available collateral, borrower experience, and repayment strategy, then provide proposed loan terms.
Underwriting
Provide the required borrower, collateral, and transaction documents while we complete underwriting and prepare the loan for closing.
Close & Fund
Finalize loan documents and complete closing. Qualified transactions can typically fund within 7 to 10 days.
We lend like real estate investors, not bankers.
We understand that a relatively small capital shortfall can hold up an otherwise strong transaction. Gap Funding is designed to provide flexible, short-term capital when you have sufficient collateral and a clear path to repayment.
Our approach focuses on the underlying opportunity, the specific funding need, and how the loan gets repaid, allowing us to evaluate transactions practically and move efficiently.
Speed and Certainty
Direct access to decision-makers and a streamlined process designed to address time-sensitive capital needs and keep your transaction moving.
Practical Underwriting
We evaluate the collateral, specific capital need, and repayment strategy to understand the transaction as a whole, not just a conventional lending checklist.
A True Lending Partner
Work directly with a lender who understands real estate investing and stays engaged from the initial funding request through closing and repayment.
Frequently Asked Questions
Answers to common questions from real estate investors and borrowers.
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Gap Funding is short-term financing designed to fill a specific capital shortfall within a real estate transaction or investment. It can provide supplemental capital when existing financing and available equity do not fully cover the funds needed to acquire, complete, or stabilize an investment.
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Qualified Gap Funding transactions can typically fund within 7 to 10 business days, depending on the transaction, collateral, and how quickly the required documentation is provided. Our process is designed to evaluate defined, time-sensitive capital needs efficiently.
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Gap Funding can be used to address a defined capital shortfall within a real estate investment, including acquisition gaps, remaining project or renovation costs, and other short-term liquidity needs. The financing is intended for situations where there is a specific use for the additional capital and a clear path to repayment.
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We offer loans of up to $500,000, depending on the collateral, requested loan structure, and overall transaction. Financing is generally limited to up to 50% of the collateralized value, with final loan amounts determined during underwriting.
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Documentation requirements vary by transaction, but typically include information about the borrower, collateral, requested loan amount, intended use of proceeds, and proposed repayment strategy. Additional documentation may be requested during underwriting based on the structure of the transaction.
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We evaluate the collateral, borrower experience, specific funding need, and repayment strategy. Because Gap Funding is short-term financing, we place particular emphasis on understanding why the additional capital is needed and identifying a clear source of repayment within the proposed loan term.
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Gap Funding rates currently start at 17.99%. Final pricing and fees depend on the collateral, borrower, loan structure, and overall transaction. Specific terms are provided after our initial review of the financing request.
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Gap Funding is designed as short-term financing, with loan terms of up to 6 months. The appropriate term depends on the transaction and the expected timing of the identified repayment source.
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Gap Funding availability depends on the location and structure of the transaction. Contact our team with your property and financing details to confirm whether Gap Funding is available for your specific transaction.
We hold active NMLS and Mortgage Banker’s licenses with the state of Arizona.
NMLS #2837378
AZ #BK-2019518
Need Additional Capital to Close?
Tell us about your capital need and your repayment strategy. We'll help determine whether Gap Funding is the right fit.
Ready to Fill the Funding Gap?
Get the short-term capital you need to address a funding shortfall and keep your transaction moving.