The Gap Funded Partner Program: Turn Stalled Deals Into 30% Commission, Every Time
Mick Wadley
Founder, Gap Funded
How much money did you not make last year because someone you were already working with ran out of cash three feet from the finish line?
The borrower short on the down payment and closing costs. The wholesaler who couldn't post earnest money fast enough. The student who finally got into your course, understood the strategy completely, and then froze at execution because they didn't have the capital. The CPA's client whose books looked great, right up until working capital ran out.
Every one of those was money you should have made. This is how the Gap Funded Partner Program turns that exact moment into a closed deal, and a 30% commission, instead of nothing.
The Same Wall, No Matter What Business You're In
This pattern shows up identically across every industry we work alongside, just wearing a different costume each time.
Hard money and private lenders. The deal underwrites perfectly. The borrower is short on the down payment or the reserves. You decline, or you watch them lose the property entirely. Either way, there's no commission check at the end of the day.
Wholesalers. The buyer is locked in, but short on earnest money or the funds for a double close. You know exactly how that feels.
Real estate coaches. A student might not even get into your course in the first place. If they do, they understand the strategy you've taught them, and then freeze at execution, not because of the knowledge, but because of the lack of capital.
Business coaches and brokers. SBA pre-qualified. LOI signed. Or it's a smaller deal entirely. They're still 20 to 30% short of total project cost, with nothing close to that sitting liquid in their bank account.
CPAs and bookkeepers. You see the cash gap coming before anyone else does. And right now, all you can say is "talk to your bank," and we all know how that usually ends.
Right now, you decline the deal, watch it die slowly, or burn hours trying to help them find the money yourself. Either way, zero extra dollars, for any of it.
It's Always One of Three Things
Almost every one of these stalled situations comes down to exactly three things. Once you understand which one is actually broken, the fix is almost always available.
We call them the 3 Cs, and it's what we underwrite against, every single time:
- Credit Profile — their personal or business credit standing
- Cashflow — income, whether from a business or personally
- Collateral — equity in a home, an LLC-owned investment property, or an operating business
Here are the five tools we use to fix whichever one is holding your client back.
Tool 1: Debt Consolidation — Fixes the Credit Profile
If someone comes to us maxed out on credit cards, or a business owner drowning in MCA debt, this is almost always step one. It determines how big every other tool can go.
High credit utilization and high DTI quietly kill approvals across the board. Debt consolidation rolls existing debt into one fixed payment, dropping utilization, lowering DTI, freeing up monthly cashflow, and raising credit score, often within a single reporting cycle.
Credit utilization accounts for roughly 30% of a FICO score, making it the single biggest lever available to raise a score quickly and unlock better approvals and rates on every tool that follows.
Before: high utilization, high DTI, low credit score, unfundable. After, in less than 30 days: consolidated debt, lower DTI, raised credit score, qualifying for two to three times the capital they thought they had access to.
Tool 2: Rapid Gap Funding — Fixes Cashflow, Fast
Once the profile is clean, or even if it's already strong, this is how capital moves fast.
We stack multiple unsecured term loans across lenders, matched to income and existing relationships, all submitted together. This covers the down payment, earnest money, and closing costs, the cash needed right now to actually get to the table. Zero collateral required, fully unsecured.
This is the exact tool behind Bryan's $40,000 funded in just two days.
Tool 3: 0% Credit Card Stacking — Cashflow at a Bigger Scale
Once the immediate gap clears, this is the next layer, building real spending power at zero percent interest for 12 to 21 months.
Step one, stack. Four to five cards, business and personal, matched to location and existing banking relationships for the highest limits and longest terms. A double stack, business and personal together, is available for clients who are positioned for it.
Step two, liquidate. Plastiq pays any invoice directly, the title company, contractors, whoever the deal requires. Kashu liquidates the funds as cash directly into a bank account, useful when proof of funds is what's actually needed.
Step three, deploy. Down payments, closing costs, renovations, acquisition costs, or working capital.
This is the exact tool behind Mike's $148,000 accessed in one run, in under 10 days, a fix and flipper out of Phoenix. Chris stacked another $50,000 the same way.
After every exit or equity event, once those balances are paid down, clients can go back and request larger limits, restacking and recycling into a new round of 0% offers at meaningfully higher amounts. A first run typically caps out around $150,000.
Tools 4 & 5: HELOCs and Business Lines of Credit — Fixes Collateral
If your client already owns something, a home, an investment property, or an established business, they're sitting on capital they don't realize is accessible.
Tool 4, the HELOC. Can be placed on a primary residence or an LLC-owned investment property for active investors. A revolving line against existing equity, draw it, use it, pay it down, draw it again. One of the cheapest and most versatile forms of capital available.
Tool 5, a business line of credit. For clients with an operating business and at least six months of revenue history. The same revolving structure, secured against the strength of the business itself instead of a property.
The key difference: a HELOC uses property equity. A business line of credit uses revenue history. Both revolve, draw, use, repay, repeat, and both turn something a client already owns into deployable capital, without paying closing costs every time they draw on it.
Five Tools. Three Cs. One Partner.
Send us the person who's stuck, on any of the three. We fix it, we fund it, and we send them back in under 21 days.
Hard money lenders: a dead deal becomes a closed loan, plus 30% you never would have made.
Wholesalers: the assignment survives, the buyer closes, and you double dip on the commission.
Coaches: students not only get into your course, they stop stalling at execution. More results, more renewals.
CPAs and bookkeepers: you become the person who solved the problem, not just the one who spotted it.
The Offer
- 30% commission, paid fast, on every tool your client uses
- Under 21 days to fund and close, our guarantee
- Five tools covering all three Cs, so there's almost always a path
- Zero dollar partner fee to join
- Your own branded portal, with automated commission payouts and full visibility into exactly where every lead stands, no black box
We pride ourselves on speed of execution and high-touch communication. That's the entire program.
The Next Dead Deal Is Yours to Save
You're going to hit this wall again. The only real question is whether you walk away with nothing, the way you always have, or you send that person to us and walk away with 30% on top.
[Apply to become a partner](https://gapfunded.com/partners). It takes a couple of minutes.
I'm Mick Wadley. Let's go close something, together.
*Gap Funded helps real estate investors and business owners access the capital they need to close deals and scale — without equity splits, without draining savings, and without giving up profit.*
We help investors and business owners access capital through GapFunded — without equity splits, without draining savings, and without giving up profit.
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