Your lender covered most of the deal. We help you stack the rest. Gap funding covers your down payment, closing costs and rehab with no equity splits and no second liens on your property.
Soft pull only. Zero obligation. No impact to your credit.
Taking you to the secure GapFunded pre-approval to finish your 2 minute soft-pull application.
Not redirected? Continue here
Illustrative deal example. Actual amounts depend on your credit profile, income and the property.
Most investors lose good deals because the hard money loan leaves a gap they can't cover in cash. A capital stack fills it with the right tools, in the right order, without handing over equity or putting a second lien on the property.
Close your next deal with true 100% financing. The right tools are engineered in the exact order needed to cover your down payment, closing costs and rehab, with no equity splits and no 2nd liens on your property.
Share a few basics about you and your deal. No hard inquiry, no impact to your score.
⏱ 2 minutesA Gap Financing Advisor builds your capital stack and shows exactly what you qualify for.
⏱ Same dayFunds land in your account so you can cover the down payment, closing and rehab.
⏱ 24 to 72 hours| Gap Capital Stack | Equity Partner (JV) | 2nd Lien / Private Money | |
|---|---|---|---|
| Profit you keep | ✓ 100% | 50% to 70% | 100% |
| Lien on your property | ✓ None | Often | ✕ Yes, 2nd position |
| Speed to funds | ✓ 24 to 72 hours | Weeks of negotiating | 1 to 3 weeks |
| Credit check to start | ✓ Soft pull | Varies | Hard pull |
| Intro rate on cards | ✓ 0% APR, 12 to 21 mo | N/A | 10% to 15%+ |
| Hard money lender approval | ✓ Clean title | Extra paperwork | Often rejected |
No. Pre-approval uses a soft pull only, which has no impact on your credit score. A hard inquiry only happens later if you choose to move forward with a specific product.
Gap funding covers the difference between what your primary lender (usually hard money) approves and what the deal actually costs. That typically means your down payment, closing costs and rehab budget.
No. Unlike a JV partner, a capital stack is built from loans and credit lines, so you keep 100% of the profit on the deal.
No. The gap tools are unsecured or secured against other assets, so the deal property stays clean and your hard money lender stays happy.
Many investors are funded in 24 to 72 hours after approval, depending on the products in their stack and how quickly documents come back.
Fix & flip, BRRRR, short-term rental and DSCR investors in the US who have a deal (or are about to) and need deposit or gap capital to close.
Soft pull only. No hard credit inquiry, zero obligation, no impact to your score.