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    Gap Funding Lenders: What to Look For in a Partner

    Mick Wadley
    Mick Wadley
    Founder, GapFunded
    PublishedMay 19, 2026
    Gap Funding Lenders: What to Look For in a Partner

    Bottom Line Up Front (BLUF)

    Not all gap funding lenders are equal. Learn what to look for, from interest rates to funding speed, to find the best capital partner for your deals.

    Evaluating Gap Funding Lenders

    Finding the right gap funding lenders can make or break your real estate deal. Traditional private money lenders often demand 30% to 50% of your profits, which severely cuts into your margins. Modern gap funding lenders, on the other hand, offer fixed-rate term loans or 0% credit stacking without taking any equity.

    What to Look For:

    1. No Equity Splits: The best gap funding lenders let you keep 100% of your profits.
    2. Speed: Real estate moves fast. Look for lenders who can fund in 24 to 72 hours.
    3. Flexibility: Ensure the funds can be used alongside your existing hard money loan.

    At GapFunded, we pride ourselves on being the premier partner for investors looking to bridge the gap without giving up their hard-earned equity. Check out our Pillar Guide on Gap Funding to see how our model compares.

    Filed Under
    Gap Funding Lenders
    Private Money
    Funding

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