Obtain unsecured capital up to $250,000 to use at your discretion: down payments, rehab, closing costs, or whatever you like. No collateral, rates as low as 5.99%, and terms from 2 to 7 years.
Most fix and flip, bridge and DSCR lenders fund 75% to 90% of the deal. Gap funding covers the rest with unsecured cash, so you can close without draining your savings or retirement accounts.
Unsecured cash deposited directly into your bank account.
Down payments, rehab, closing costs, reserves, or anything you like.
No lien on your property, your home or your retirement accounts.
Fixed rate based on your credit, with 2 to 7 year terms.
Typically 7 to 10 days, as little as 3 business days after approval.
Fund more deals at once instead of tying up your own capital.
Need earnest money, a double close or a secured gap 2nd instead? EMD, transactional & gap 2nds →
| Purchase price | $300,000 |
| Rehab budget | $80,000 |
| Fix & flip loan (90% of purchase, 100% of rehab) | $350,000 |
| Down payment needed | $30,000 |
| Closing costs and reserves (est.) | $15,000 |
| Gap funding covers | $45,000 |
Illustration only. Actual loan amounts, rates and terms depend on your credit, income and your primary lender's guidelines.
Tell us about yourself and your deal. No hard pull to pre-qualify.
We review your credit, income and goals and match the right loan amount and term.
Upload or email your credit report and income documents, then sign your loan documents electronically.
Cash is deposited to your bank account, ready for your down payment or project.
Down payments on investment properties
Rehab and renovation costs
Closing costs and lender fees
Cash reserves your lender requires
Funding several flips at the same time
Earnest money deposits
Carrying costs and payments during rehab
Anything else your business needs
Takes about 2 minutes. No hard credit pull. Your application is emailed straight to Mike, who will follow up personally within one business day.
Send them our way. We'll take great care of them and keep you in the loop.
Gap funding covers the difference between what your primary lender funds and what the deal needs: the down payment, closing costs, rehab overruns, reserves or carrying costs. Ours is an unsecured personal term loan, so the cash goes straight to your bank account and no property is pledged.
Up to $250,000. Most borrowers with credit scores from 640 can qualify for up to $100,000; amounts above $100,000 generally need a 700+ score and a debt-to-income ratio under 30%.
Rates are as low as 5.99% for the strongest credit profiles and are set by your personal credit score and payment history. Terms run 2 to 7 years with a fixed monthly payment.
Yes. The funds are yours to use at your discretion: down payments, rehab, closing costs, reserves, or funding more than one flip at a time. Some primary lenders have rules about borrowed down-payment funds, so tell us who your lender is and we will structure the timing so the two loans work together.
No. The loan is unsecured. There is no lien on your property, your home or your retirement accounts.
A tri-merge credit report from IdentityIQ dated within the last 30 days, plus proof of income: your 2 most recent paystubs and last year's W-2 if you are employed, or 2 years of tax returns or 3 months of business bank statements with a year-to-date P&L if you are self-employed. Upload them with your application or email them to Mike.
A 640+ credit score (700+ above $100,000), at least 3 active trade lines such as credit cards, auto loans or mortgages, limited 30 to 90 day late payments in the last 3 years, and verifiable income. Co-signers are accepted if you do not meet the requirements on your own.
Usually 7 to 10 days from start to funding, and in some cases as little as 3 business days after approval.
Pre-qualification starts with a soft review. A formal application includes a hard inquiry, which typically lowers a score by only a few points. The new loan will appear on your personal credit report.
Yes. Approval is based mainly on your personal credit and income, so new investors and entrepreneurs can qualify.
Gap funding is provided as unsecured personal or business term loans through Win-Win Capital Funding's network of lending partners. Rates, terms and amounts depend on credit profile, income and lender approval; not all applicants will qualify. "As low as" rates are for the most qualified borrowers. Pre-qualification is not a commitment to lend. A formal application may include a hard credit inquiry. Some primary lenders restrict the use of borrowed funds for down payments; disclose all financing to your primary lender.
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