Gap Funding
Bridge the gap between project phases with our flexible short-term financing solutions.
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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
Our Process
Initial consultation to understand funding needs and timeline
Rapid preliminary approval based on collateral and exit strategy
Property evaluation and loan structuring
Final underwriting and loan documentation
Quick closing and fund disbursement
Ongoing monitoring and support throughout loan term
Smooth transition to permanent financing or loan payoff
Frequently Asked Questions
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 complexity of the transaction and collateral evaluation.
What are typical interest rates for gap funding?
Gap funding rates vary based on loan-to-value ratio, borrower strength, and loan term. Rates typically range from 8-15% 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.
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