0% FUNDING

Product Name

0% Funding

Qualification Benchmark

680+ FICO

Typical Funding Range

Up to $150,000 where qualified

Promotional Period

0% for up to 24 months

Time in Business

Not required

Revenue

Not required

Bank Statements

Not required

Collateral

Unsecured — no property lien from this product

Structure

Introductory 0% business-credit financing built across multiple approved accounts

Approval Driver

Primarily personal credit

Best Suited For

Real estate investors and business owners

• Earnest money / upfront deal costs where eligible
• Down payment / cash-to-close needs where permitted
• Closing-related expenses
• Reserves / working-capital needs

• Contractor deposits
• Contractor expenses
• Materials
• Flooring
• Cabinets
• Fixtures
• Appliances
• Paint
• Landscaping
• Repairs
• Unexpected project overruns

• Furniture
• Short-term rental setup
• Appliances
• Property-management setup
• Marketing
• Staging
• Other eligible setup expenses

• Startup expenses
• Equipment
• Inventory
• Advertising
• Software
• Vendors
• Operating expenses
• Acquisition expenses
• General working capital

A smaller project — use 0% capital where it counts

Purchase Price

$90,000

Rehab

$45,000

Total Project

$135,000

An investor could use property financing for the acquisition while using available 0% capital for some or all eligible renovation or project expenses. The borrower does not have to use the maximum amount available. If they qualify for $100,000 but only need $40,000 for the rehab or project expenses, they can structure their capital around the actual need — keeping the rest available and avoiding unnecessary interest on capital they do not deploy.

A larger project — offset expensive rehab financing

Total Project

$400,000

0% Capital Used

$75,000

Remaining Project Financed

$325,000

A borrower may have a $400,000 project but only want $75,000 of 0% capital to reduce the amount of expensive rehab or project financing being used. The 0% capital can be one component of a much larger project — it does not have to fund the entire deal, and it is not restricted to small acquisitions.

A first-time investor with a smaller acquisition or renovation can use 0% capital as part of the overall project stack rather than financing every project dollar at hard-money rates. By carrying the rehab or setup portion at 0% during the promotional period, the investor keeps the per-project cost down and protects their margin on the first deal — which often matters most when there is less room to absorb carrying cost. This is not limited to small deals. The 0% capital can be used as one component of larger projects too, layered in wherever it lowers the blended cost of capital without forcing the borrower to draw expensive financing for expenses that qualify for the 0% promotional window.

0% Funding is for real estate investors and business owners with a strong credit profile (680+ FICO benchmark) who want to carry part of a project or business expense at 0% during a promotional window. It fits active flippers and builders who want to reduce the amount of expensive rehab financing they deploy, investors setting up a rental or short-term rental who have furnishings and setup costs, and business owners — including new and pre-revenue businesses — who need working capital, equipment, or inventory without tying up real estate. No time in business, revenue, or bank statements are required; approval is driven primarily by personal credit. It is a complement to — not a replacement for — the primary property loan.

0% Funding is unsecured introductory 0% business-credit financing built across multiple approved accounts rather than one large account. The qualifying benchmark is 680+ FICO, with a 0% promotional period of up to 24 months and up to $150,000 where qualified. No time in business, revenue, or bank statements are required — qualification is driven primarily by personal credit. Because it is unsecured, it keeps the subject property free of an additional lien from this product, and eligible capital can be used for real estate project expenses, setup, and business expenses alike.

Use 0% Funding when you have a strong credit profile and you want to reduce the amount of expensive capital deployed on a project — carrying rehab materials, contractor deposits, setup, or business expenses at 0% during the promotional window. It is especially useful when the primary loan covers the acquisition but the rehab or setup would otherwise be financed at hard-money rates or paid out of pocket, and when you want to preserve working capital for the next deal, reserves, or unexpected project costs. It also fits new and pre-revenue businesses that have no revenue history yet but whose owner has strong personal credit.

0% Funding exists because not every dollar of a project needs to carry an interest cost. Short-term property financing is powerful, but it charges interest on every dollar drawn from day one. When eligible expenses can be carried at 0% during a promotional window, the borrower lowers the blended cost of capital, preserves working capital, and keeps the property free of an additional lien from this product. The borrower is never required to use the maximum available — they can structure the capital around the actual need, using expensive capital only where it makes sense.

• Rehab materials, contractor deposits, and project overruns on a flip
• Furniture, staging, and short-term-rental setup
• Down payment / cash-to-close needs where permitted
• Earnest money and upfront deal costs where eligible
• Business startup, equipment, inventory, and working capital
• Offsetting expensive rehab financing on larger projects

1. 1

   Submit through one application

   0% Funding is available through the universal Gap Funding application or the Business Funding application. Describe the need, the project or business use, and your credit profile — no separate 0%-only intake is required.

2. 2

   Credit profile review

   We review the qualifying benchmark (680+ FICO), utilization, recent inquiries, and the eligible LLC for the business-credit layer. No time in business, revenue, or bank statements are required — the strength and cleanliness of the credit profile drive the achievable total.

3. 3

   Strategic sequencing

   Eligible approvals are sequenced strategically across multiple approved accounts to build the available 0% capital. A coordinated approach maximizes combined limits and protects the credit profile — uncoordinated applications can reduce the achievable result.

4. 4

   Layer into the capital stack

   The 0% capital is positioned alongside the primary financing (or the borrower's own cash) to carry eligible project or business expenses at 0% during the promotional window.

5. 5

   Use the promotional window

   Draw on the eligible 0% capital for rehab, materials, setup, or other eligible expenses during the promotional period to reduce the amount of expensive capital deployed.

6. 6

   Plan the exit before the promotional period ends

   Plan to repay or refinance the used balance before the promotional window closes, when the standard APR applies. A clear exit keeps the low-cost advantage intact.

• 680+ FICO is the qualification benchmark; the credit profile drives the achievable total
• The 0% rate applies during the promotional window (up to 24 months) — plan to repay or refinance before it ends, when the standard APR applies
• Unsecured — no property lien from this product, but qualification depends on credit, utilization, and an eligible LLC where applicable
• Up to $150,000 where qualified; not every borrower qualifies for the maximum
• No time in business, revenue, or bank statements required — approval is driven primarily by personal credit
• Eligible expenses must be compatible with the program's permitted use
• 0% Funding complements — it does not replace — the primary property loan