Gap & Down Payment Funding

A funding gap is the difference between the capital already available and the amount needed to complete the project. It might relate to an acquisition contribution, closing costs, rehabilitation or reserves. We look at the entire funding picture before discussing whether additional debt or a partner arrangement could fit.

Tell us about your deal

Where it fits

A down payment or entry contribution alongside a property loan or seller-finance arrangement.
Closing, renovation or project costs that fall outside an existing lender’s approved advance.
A temporary shortfall between funding milestones, provided there is an identified source for repayment.

How it comes together

We compare the complete uses of money with each confirmed or proposed source. Clearly distinguish your own cash, seller terms, lender proceeds and funds that are still being arranged.
We review the existing lender’s requirements and how another source could participate. The structure, repayment priority and actual cash need matter more than simply labeling the request a down payment.

What to share

Property and purchase details, overall project budget and the amount of the shortfall.
Existing funding amounts, material terms, approval status and your available project cash.
The purpose of the extra capital, the deadline and its proposed repayment or partner exit.

Start with what you know. Our inquiry lets you use estimates and mark details you're still working out.

What to work through

Some funding arrangements require the borrower’s own equity or restrict additional borrowing. A separate loan cannot be assumed to satisfy those conditions.
All sources and partner roles should be disclosed to the relevant parties. Review repayment order, guarantees and the effect of additional obligations on the project’s cash flow.

Let's put your deal together.

Tell us what you're working on, what's already arranged and what still needs funding. Estimates are welcome.