Gap funding fills the difference between your senior loan and the cash you have available — so you can close deals you would otherwise have to pass on.
Gap funding (also known as mezzanine or second-position financing) provides the capital between your primary loan and the equity you have on a deal. It allows experienced investors to leverage capital efficiently and close on opportunities without tying up all of their cash.
Our gap funding programs are designed for time-sensitive deals where speed and creative structuring matter. We work alongside your senior lender to provide the missing piece of the capital stack.
Why investors choose this program
Approval and funding in days when timing is critical.
Flexible terms tailored to your deal.
We coordinate with your primary lender.
Use less of your own capital per deal.
Focus on the property and the exit, not lengthy income docs.
Typical terms of 6–18 months.
Combined LTV up to 90% on qualifying deals.
Programs for active flippers and developers.
Funding available across most Canadian markets.
Exit when your senior loan or sale closes.
What you need to qualify
Senior lender term sheet or commitment
Property appraisal or BPO
Detailed scope of work and budget
Exit strategy documentation
Borrower track record (recommended)
LLC or business entity
Insurance binder
Skin in the game (typical minimum equity contribution)
Estimate the cost of gap funding for your deal.
For estimation purposes only. Contact us for exact terms.
Gap funding fills the financial gap between your senior loan and the cash you have on hand to close a deal.
Most gap funding deals close in 5–10 business days once documentation is in place.
Gap funding typically ranges from 12–20% APR depending on risk, term, and deal strength.
In most cases, yes. Personal guarantees are standard for short-term gap and mezzanine financing.
In most cases yes, as long as the senior lender allows secondary financing in the loan documents.
Get pre-qualified in minutes. Our team responds within 24 hours.