Apply Now ↗GAP FUNDING FOR REAL ESTATE INVESTORS
* Subject to credit approval and lender terms. Actual funding amounts vary by applicant.
We combine property financing and gap-funding options to help purchase the property, cover your down payment, closing costs, and rehab—without equity splits or second liens.
One conversation can help you explore financing for the property + the remaining costs, from the down payment and closing to renovations and reserves.
Compare offers from 120+ lenders, from major banks to specialist private capital.
GAP FUNDING IS A STRATEGY, NOT ONE LOAN
You may still need cash for the down payment, closing costs, rehab, reserves, or furnishings. That missing amount is the funding gap.
We use strategic capital stacking to match your deal with unsecured funding options that may help cover the remaining costs.
Explore the financing paths →Combined financing up to total eligible project costs is subject to separate provider approvals, leverage limits, documentation, and final terms. Not every applicant or project will qualify.
BUILT FOR ACTIVE INVESTORS
Help with the cash needed to buy, close, renovate, and carry the property.
Bridge the purchase and rehab while you prepare for a long-term refinance.
Capital for the purchase, furnishings, setup, launch, and early operating costs.
Support for deposits, reserves, pre-development, and other project costs.
SIX WAYS TO COMPLETE THE CAPITAL PLAN
Property-backed or equity-based financing may cover approximately 70%–80% of the investment.
Additional unsecured capital may help cover the down payment, closing costs, rehab, and reserves.
These property-backed or equity-based options may finance the first 70%–80% of the investment, depending on the deal and underwriting.
Asset-based funding for fix-and-flip and BRRRR projects. Underwriting focuses on the property value and project plan rather than only personal income.
Long-term rental financing evaluated primarily on the property’s cash flow instead of traditional personal-income documentation.
Access qualifying equity in a primary residence, second home, or investment property through a revolving line of credit.
These unsecured options may help cover the capital your primary financing does not—including the down payment, closing costs, rehab, and reserves.
Restructure qualifying revolving balances to reduce utilization, improve monthly cash flow, and prepare a stronger credit profile for future funding.
An unsecured bridge designed to help qualified investors cover the shortfall between primary financing and the total project cost.
A coordinated business-credit strategy offering a limited introductory 0% APR period for qualified investors.
Moneo Capital may receive compensation from funding providers. Funding is subject to approval. Amounts, rates, terms, and fees vary by provider and applicant; no offer or approval is guaranteed.
ONE GUIDED APPLICATION
Moneo is not your primary lender. We help you find additional capital that may complete the deal.
Share the deal type, capital needed, intended use and timing.
We begin with a streamlined pre-qualification that does not guarantee approval.
We identify which of the five programs may align with your profile and project.
Review the estimated structure, costs and timing before moving forward.
CREATIVE FINANCING, EXPLAINED
We help investors review financing for the initial property purchase and additional options for the remaining down payment, closing costs, rehab, and reserves. When approved and properly structured, the combined strategy may finance up to 100% of eligible project costs.
Start my review ↗We help you explore financing options to acquire the property and additionally cover the costs around it. You will be able to see what may fit your plans and budget.
Don’t let a good chance slip past while you wait on a bank. Get conditional approval in under 24 hours
We compare the market for you, from the big banks to specialist private lenders, and bring back the strongest options
You’re not just a number. You work directly with senior brokers who understand your industry and its pressures
Acquisition, down payment, renovation, or reserves. We structure the funding around your deal, not the other way around.
“I had a really wonderful experience with Max, he was incredibly patient with the process and was able to secure over 17k for me…”
“The entire process was seamless. Max Firth was amazing! I will definitely use their services again and highly recommend them.”
“Zach was great helping my husband and I secure a loan. He was super responsive, helpful and patient.”
“They don’t pester you like a lot of places. They tell you how everything works. Inform you of your options…”
“I had a really wonderful experience with Max, he was incredibly patient with the process and was able to secure over 17k for me…”
“The entire process was seamless. Max Firth was amazing! I will definitely use their services again and highly recommend them.”
“Zach was great helping my husband and I secure a loan. He was super responsive, helpful and patient.”
“They don’t pester you like a lot of places. They tell you how everything works. Inform you of your options…”
Individual results vary based on borrower profile, deal specifics, and lender terms.
FAQ
Gap funding is additional unsecured financing that may help cover the difference between your primary financing and the total capital required to close and complete the investment.
No. Pre-qualification is an initial review. All products remain subject to lender underwriting, verification, eligibility and final approval.
The initial pre-qualification is intended to use a soft credit review. If you proceed with a specific product, the provider may require a hard inquiry with your authorization.
They may be combined when the investor and project qualify. The available structure depends on credit, income, business revenue, property equity, deal timing, and the intended use of funds.
No. Moneo Capital helps applicants explore financing products offered by participating third-party providers.
PRIMARY + GAP FUNDING ESTIMATE
See the estimated property financing, remaining gap, and gap-funding options together in one view.
Gap Funding is shown as the full remaining capital need after the estimated property financing. The option used to cover that gap depends on credit profile, income, equity, underwriting, and final approval.
THE NEXT DEAL STARTS HERE
Tell us what you are working on. We will begin by reviewing which creative financing paths may be available.