REAL ESTATE INVESTOR FINANCING
Gap Funding
Fund the part of the deal your primary loan doesn't. You don't need to know which funding product you need — tell us about the deal, the amount of capital you're missing, and your financial profile. Green Fire reviews the available funding methods and builds the appropriate strategy. Seven core capital tools — debt consolidation, unsecured term-loan stacking, 0% credit card stacking, HELOC, business lines of credit, merchant cash advance, and securities-backed financing — plus a second-position cross-collateralized real-estate solution.
The Order Matters
Capital products are sequenced intentionally because one application can affect the approvals available from the next source. Not every borrower needs all seven tools — Green Fire determines which combination fits after reviewing your profile.
- 01
Debt Consolidation
- 02
Unsecured Term Loan Stacking
- 03
0% Credit Card Stacking
- 04
HELOC
- 05
Business Line of Credit
- 06
Merchant Cash Advance
- 07
Securities-Backed Financing
One streamlined application. Tell us about the need and we'll explore the capital that fits.
The Gap
Down payments, closing costs, rehab float, seller-finance entry money, rental setup, and other deal expenses can leave a capital gap even when the property financing works.
- Purchase + Costs
- $300,000
- Primary Financing
- $250,000
- Remaining Gap
- $50,000
How Green Fire Solves It
You don't need to know which funding method fits. Tell us about the deal, the amount of capital you're missing, and your financial profile. We'll explore the available funding methods that may fit your need — sequenced intentionally because one application can affect the approvals available from the next.
The core tools below are educational. They are not products you choose during the application — you describe the need and we'll explore the capital that fits.
Capital Tools
Ways to Fill the Gap
Gap Funding Tool
Debt Consolidation
A supporting capital-readiness tool that reduces high-interest revolving balances and monthly obligations to potentially improve the credit profile and prepare the borrower for additional capital products.
Debt consolidation can be used when revolving utilization, expensive debt, or monthly obligations are suppressing the borrower's ability to access additional capital. It may consolidate applicable balances into a fixed-payment structure, potentially reducing revolving utilization and improving cash flow. No exact FICO increase or credit-improvement point figure is guaranteed.
$10K–$100KProduct Range2–7 YearsTypical Terms1–5 DaysFunding TimelineLowerMonthly Obligations
Gap Funding Tool
Unsecured Term Loan Stacking
Rather than relying on one lender, multiple unsecured term-loan approvals may be strategically sequenced across compatible institutions. The resulting capital can be used to solve eligible real-estate cash requirements without placing a lien on the subject property.
Unsecured term-loan stacking is created by strategically placing and stacking unsecured term loans across applicable institutions. Because the capital is generally not secured by the subject property, it can avoid second-lien complications with a primary hard-money or DSCR lender. Multiple loans are sometimes used to diversify across institutions and reach the target amount.
$20K–$120KFunding Range3–5 YearsTypical Term1–3 DaysFunding SpeedUnsecuredNo Property Lien
Gap Funding Tool
0% Credit Card Stacking
Multiple qualifying credit-card approvals can be sequenced strategically to create substantial available business credit with 0% introductory periods. The total is built across multiple approved accounts — not one large card.
This is not one $150,000 card. The total can be created across multiple approved accounts sequenced strategically. Application order, existing issuer exposure, credit utilization, recent inquiries, geography, banking relationships, and credit profile can all affect the available limits — a specific limit is never guaranteed.
Up to ~$150KCombined Limits0%Intro APR12–21 MonthsPromotional Period1–10 DaysApproval Timeline
Gap Funding Tool
HELOC
A home equity line of credit converts existing property equity into reusable revolving capital — draw funds, use them, repay, and draw again. It can potentially be secured by a primary residence or eligible investment property depending on the program.
A HELOC turns equity in an existing property into reusable capital. Draw funds as needed, use them, repay, and draw again during the draw period. Current underlying programs may support substantial equity lines, potentially into the hundreds of thousands depending on equity and qualification. No single universal maximum is published because programs differ.
RevolvingCredit Line10-YearDraw Period20-YearRepayment Structure14–45 DaysTypical Timeline
Gap Funding Tool
Business Line of Credit
An established operating business may qualify for reusable revolving capital based primarily on revenue, cash flow, business history, credit, and existing obligations. Draw on demand and pay interest only on amounts actually drawn.
A business line provides reusable working capital based primarily on the strength of the operating business. Requirements can include an established operating business, revenue history, bank statements, credit profile, and time in business. Qualification is not based solely on owning an LLC.
$50K–$250KPotential LineRevolvingStructure1–7 DaysFunding TimelineOn DrawnInterest Paid
Gap Funding Tool
Merchant Cash Advance
A Merchant Cash Advance provides upfront business capital based primarily on the operating business's revenue and expected future sales. It is generally repaid through frequent payments tied to the business's revenue structure rather than through a traditional long-term amortizing loan.
A Merchant Cash Advance provides upfront business capital based primarily on the operating business's revenue and expected future sales. It is generally repaid through frequent payments tied to the business's revenue structure rather than through a traditional long-term amortizing loan. Qualification depends heavily on monthly revenue, bank deposits, business operating history, cash flow, industry, existing obligations, and the current business condition.
$10K–$500K+Funding Range24–48 HoursFunding SpeedRevenue-BasedRepaymentGenerally UnsecuredNo Deal-Property Lien
Gap Funding Tool
Securities-Backed Financing
Investors holding qualifying publicly traded securities or qualifying established cryptocurrency may be able to pledge those assets as collateral and access cash without first liquidating the position. Collateral eligibility depends on the specific asset, liquidity, trading volume, volatility, restriction status, custody, and concentration.
Investors holding qualifying publicly traded securities or qualifying established cryptocurrency may pledge those assets as collateral and access cash without first liquidating the position. Potential collateral can include publicly traded stock, qualifying marketable securities, Bitcoin, and other qualifying established cryptocurrency — not every cryptocurrency qualifies. Qualification can depend on liquidity, trading volume, volatility, restriction status, custody requirements, asset concentration, and collateral value.
Up to ~75%LTV (Unrestricted Shares)$50K–$500M+Potential Loan Size3 / 5 / 7 / 10 YrCommon Terms5–10 DaysTypical Funding
Additional Real-Estate Gap Solution
Second-Position Cross-Collateralized Gap Loan
A real-estate-secured gap solution that takes an applicable second-position lien on a separate property already owned by the borrower — not the subject acquisition property. The available amount is determined by the equity remaining inside the 75% combined leverage ceiling after existing mortgage debt.
The maximum total debt supported equals 75% of the appraised as-is value of the separate collateral property. The maximum available second-position capital equals 75% of the as-is value minus all existing mortgage debt and applicable liens. The appraisal establishes the current as-is value; existing debt is deducted from the 75% leverage ceiling; the remaining equity inside that limit determines the maximum theoretical amount available. This is a maximum calculation, not an automatic approval.
Worked Example
- Appraised As-Is Value
- $500,000
- Maximum 75% Total Leverage
- $375,000
- Existing Mortgage
- $250,000
- Maximum Theoretical Second Position
- $125,000
The available amount is determined by the equity remaining inside the 75% combined leverage ceiling. The property must be appraised, the borrower must meet the current 650 minimum FICO requirement, and final terms remain subject to review.
75%Max Total Debt / As-Is Value650+Minimum FICOSeparateCollateral PropertyAppraisalRequired
The Process
- 01
Complete Prequalification
Tell us what you're funding, how much capital you're missing, and your basic financial profile.
- 02
Strategy Review
We review the available capital methods and explore which combination may fit the transaction.
- 03
Review Your Options
You'll receive the potential funding structure, estimated amounts, and sequencing.
- 04
Move Forward
Once you approve the strategy, the applicable funding applications are completed in the proper order.
Soft Pull to Start
A hard credit inquiry is not initiated without authorization as part of the applicable funding process. This is a strategy review first, not an immediate pricing decision on a single property loan.
Frequently Asked Questions
Ready to explore gap funding?
Submit once. We'll review the transaction and identify potential financing paths.