Gap Funding

Overview

Gap Funding provides essential bridge financing to help real estate investors and developers navigate transitional periods in their projects. Whether you're waiting for permanent financing, need additional capital between project phases, or require quick funding to secure a time-sensitive opportunity, our gap funding solutions offer the flexibility and speed you need.

These short-term financing solutions are designed to "bridge the gap" when traditional financing isn't available or when timing is critical. Our gap funding programs provide quick access to capital with flexible terms, allowing you to maintain project momentum and capitalize on market opportunities without delays.

Key Benefits

Fast closing - typically 5-10 business days 
Flexible loan terms from 3 months to 3 years
No prepayment penalties for early payoff
Interest-only payment options available
Loan amounts from $250,000 to $50 million
Asset-based lending decisions
Minimal documentation requirements
Creative structuring for complex situations
Bridge to permanent financing
Experienced underwriting team

Requirements

Clear exit strategy (sale, refinance, or permanent financing)
Adequate collateral to secure the loan
Minimum credit score of 600
Demonstrated ability to service debt
Property appraisal or valuation
Proof of project viability
Personal guarantee may be required
Property insurance coverage

frequently asked questions

FAQ

What situations are ideal for gap funding?

Gap funding is perfect for time-sensitive acquisitions, bridge financing while waiting for permanent loans, funding between construction phases, or when you need quick capital to secure opportunities.

How quickly can gap funding be approved?

Our streamlined process can provide approval and funding in as little as 5-10 business days, depending on the transaction's complexity and collateral evaluation.

What are typical interest rates for gap funding?

Gap funding rates vary based on the loan-to-value ratio, borrower strength, and loan term. Rates typically range from 12-20% annually, reflecting the short-term nature and quick approval process.

Can gap funding be used for multiple properties?

Yes, we can structure gap funding for portfolio transactions or multiple properties, subject to overall collateral value and borrower qualifications.

What happens if I need to extend the loan term?

Loan extensions are often available for an additional fee. We work with borrowers to accommodate reasonable delays in exit strategies or permanent financing.

the love FOR FINANCING INVESTMENT PROPERTIES

our mission

People

Delivering transparent, reliable capital solutions that support investor success

Environment

Promoting responsible development that enhances long-term community value.

homes

Financing quality properties that strengthen housing markets.

family

Supporting financial stability through smart real estate investment.

Our absolute passion is funding real estate properties with ease.

Loan Funding Solution