Soft pull pre-approval No impact to your credit score
Funding for Fix & Flip · BRRRR · STR · DSCR
Fund your gap.
Close more deals.
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.
What are you funding?
Fix & Flip
100% LTC
BRRRR
0% out of pocket
Airbnb / STR
Fast close
DSCR Rental
No W-2s
Funded in 24 to 72 hours
Keep 100% of your profits
0% APR for 12 to 21 months
No 2nd liens, clean title
● Primary Hard Money
After Repair Value (ARV)
$3,000,000
Total Project Cost (Purchase + Rehab)
$2,775,000
Hard Money Approved (80% ARV)
$2,400,000
Gap Capital Stack
Unsecured Gap Loan
Down payment & closing
+$83,000
0% Business Cards
Rehab float & holding
+$63,000
HELOC on Rental Property
Equity line · up to 80% LTV
+$230,000
OUT OF POCKET CASH
$0.00
Illustrative deal example. Actual amounts depend on your credit profile, income and the property.
Your lender stops at 80%. Your stack covers the rest.
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.
01: Unsecured gap loan for down payment and closing costs
02: 0% business credit to float rehab and holding costs
03: Equity lines on property you already own
Don't limit yourself.
Stack your capital.
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.
$100K–$1M+
Total capital stack
5
Tools, sequenced
24–72h
Fastest funding
0%
Equity given up
Debt Consolidation
Free up monthly cash flow before you stack
Roll high-interest balances into one lower payment. It lowers utilization and strengthens your profile so every tool after it approves higher.
Rapid Gap Funding
Cover your down payment and closing costs
An unsecured gap loan that bridges the difference between your hard money approval and your purchase. No lien on the property, so your primary lender stays first and only.
0% Credit Stacking
Float rehab and holding costs interest-free
Multiple 0% business cards opened in a planned sequence. Use them for materials, contractors and holding costs, then pay down when you sell or refinance.
Investment HELOC
Unlock equity in property you already own
Tap equity in an existing rental to fund the next acquisition. You only pay interest on what you draw, and the new deal stays lien-free.
Business Line of Credit
Revolving liquidity sized to your active business revenue
Draw only the capital you need and pay interest solely on what you draw. Funds replenish on payment and land in your operating account in seconds.
From application to funded.
01
Apply with a soft pull
Share a few basics about you and your deal. No hard inquiry, no impact to your score.
02
Get your stack mapped
A Gap Financing Advisor builds your capital stack and shows exactly what you qualify for.
03
Close the deal
Funds land in your account so you can cover the down payment, closing and rehab.
Why investors stack instead of split.
Frequently asked
Will checking my eligibility hurt my credit?
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.
What is gap funding exactly?
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.
Do I need to give up equity or profit?
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.
Will this put a 2nd lien on my property?
No. The gap tools are unsecured or secured against other assets, so the deal property stays clean and your hard money lender stays happy.
How fast can I get funded?
Many investors are funded in 24 to 72 hours after approval, depending on the products in their stack and how quickly documents come back.
Who is this for?
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.
Find out what you qualify for in 20 seconds.
Soft pull only. No hard credit inquiry, zero obligation, no impact to your score.
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Referral disclosure: Innotrade Services is an independent referral partner of GapFunded and may receive compensation for referrals. Innotrade Services is not a lender and does not make credit decisions. All financing is subject to credit approval, underwriting and the terms of the funding provider.
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0% APR introductory periods, funding amounts and timelines vary by applicant and product and are not guaranteed. Deal figures shown are illustrative only.
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