Cheat Sheet
The 5 tools we stack, in order, with the requirements that matter. Skim this before our call so you know exactly what to expect — and what to have ready.
Debt Consolidation
Boost your FICO 40–80 points in under 30 days
- Rolls maxed-out credit cards and MCA debt into one fixed, lower payment.
- Utilization drops below 10% — unlocks every tool below.
Rapid Gap Funding
Fast Unsecured Gap Funding, No Early Paydown Penalty
- Covers down payment, closing costs and first rehab draw.
- No lien on the property. First-time investors qualify regularly.
0% Credit Stacking
Personal + business cards at 0% APR
- Cards applied together in one sequenced 10-minute session.
- Business balances stay off your personal credit.
HELOC
Turn idle equity into capital you can reuse
- Property owned 90+ days. No appraisal under $400K.
- Held personally, in an LLC or revocable trust. Funds in ~5 days.
Business Line of Credit
Revolving working capital, sized to your revenue
- Draw only what you need — pay interest only on what you use.
- Funds replenish as you repay. Builds business credit.
Ready to see which tools you qualify for?
Soft pull only. No hard credit check, no obligation. We map your full stack on a free strategy call.
Gap Funded is not a bank, lender or financial institution. All funding is arranged through third-party lenders. Amounts, terms, FICO and revenue figures are typical ranges and minimums, not guarantees of approval or pricing, and vary by lender, state and applicant. The HELOC is secured by the property it is drawn against. Updated September 2026.