Why Cash-to-Close Is the #1 Barrier for Investors
A great fix & flip deal might require $25,000–$50,000 in down payment and closing costs — even when your hard money loan covers 90% of the purchase and 100% of rehab. That gap stops a lot of investors from scaling.
The good news: there are legitimate ways to cover that gap using business capital products — lines of credit, working capital loans, and revenue-based financing — that are designed exactly for situations like this.
Investor1st Funding offers business funding solutions that can stack alongside your real estate loan. Apply in minutes, get approved quickly, and have capital in hand before you go to contract.
Example: The Cash Gap Problem
Example only. Actual terms vary by deal and lender approval.
Our Business Capital Solutions
We offer business funding programs — working capital loans, lines of credit, and more — designed to cover the cash gap on investment deals.
Approvals in 24–48 Hours
Fast decisions so you can move on deals without waiting.
Up to $5 Million
Funding amounts scaled to match your deal size and business profile.
No Real Estate Collateral
Business capital — no lien on your investment property required.
Stacks with Hard Money
Designed to work alongside your primary investment loan.
Multiple Product Types
Working capital loans, lines of credit, term loans, SBA, and more.
Simple Online Application
Apply in minutes to see which products you qualify for.
How to Stack the Funding
Two sources, one deal. Get both in place before you go under contract.
Apply for Business Capital
Get approved for a working capital loan or business line of credit to cover your down payment and closing costs.
Apply for Hard Money Loan
Submit your deal for pre-approval on the primary fix & flip or bridge loan.
Coordinate Your Closing
Review each capital partner's conditions before committing. Approval, available funds, and closing time depend on underwriting and property review.
Flip, Sell & Profit
Complete the renovation, sell at ARV, repay both loans at closing, and keep the spread.
Common Questions
Is it legal to use a business line of credit as a down payment?
Business capital and property financing are separate products. Disclose every funding source and existing obligation to the property-financing capital partner. Whether borrowed funds may be used for a down payment depends on that partner's requirements; we cannot guarantee acceptance.
Will using business capital affect my hard money loan approval?
As long as you disclose the business capital to your lender and the total loan-to-value still meets program guidelines, it should not. Transparent disclosure is key — do not attempt to hide funding sources from any lender.
How much business capital can I access?
Funding amounts depend on your business profile, revenue, and credit. Many investors access $25,000–$500,000 or more depending on the product. Apply to see your specific options.
Do I need an LLC to apply for business capital?
Having an established LLC strengthens your application. Lenders review your business profile — the longer your LLC has been operating and the stronger your financials, the better your options. Some products are available with as little as 4 months in business.
Is there a cost to apply?
Applying is free and does not impact your credit score on most products. Business funding products will have their own interest rates and fees, which are disclosed to you during the application process before you commit to anything.